Arizona Down Payment Assistance Programs

Updated February 2022


Saving for a down payment can be one of the biggest obstacles to overcome when buying a home. The good news is that there is down payment assistance available in every county of Arizona. Down payment assistance is widely popular, however, it is not widely advertised. Most down payment programs come in the form of grants, meaning you will not need to repay the assistance. 

How Does Down Payment Assistance Work?

Traditionally, the minimum down payment to purchase a home is typically 3-5% down. For a 200,000 Purchase, That is $6,000 – $10,000 to purchase a home. Down Payment Assistance comes from the Arizona Department of Housing, Non-Profits and Private Lenders. What these programs do is give qualified individuals grants towards their home purchase, avoiding the need for a down payment. Our average client moves in to a home for around $2,500 out of pocket. The assistance amounts can vary depending on credit score and income however there are programs almost anyone can qualify for. The best thing you can do is use the Eligibility Checker to find the best programs available to you based on your income and credit score.   

How Do I Find The Best Down Payment Assistance Program?

All of the down payment assistance providers have partnered with local lenders to make it easy for you. You must work with an approved lender to receive the assistance. To find out which program is best for you, you can use our down payment assistance Eligibility Checker. This will find you the best down payment assistance program available based on your income and credit score.

Down Payment Assistance Eligibility Checker

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Up To $20,000 Assistance Available Per Household

Down Payment Assistance available up to $20,000 for the purchase of a primary residence. This program will allow you to move into a home for ZERO down. The Eligibility Checker will find the best program for you based on income and credit score.

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No Income Limits

There are down payment assistance grants available that currently have no income restrictions. The programs are difficult to find as there are only a handful of approved lenders. Use our Eligibility Checker to find the best program for you. 

620 Credit Scores Allowed

Down Payment Assistance Grants Available with credit scores as low as 620. Most programs are going to require significantly higher scores to qualify. Use our Eligibility Checker to find the best program.

Down Payment Assistance Eligibility Checker

See What Our Clients Have To Say…

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Jennifer W.

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I was very pleased with the whole home mortgage experience working with this team. From the beginning it was clear that they were working in my best interest and to help us save on all the costs associated with closing a home loan. They helped us choose us the best interest rate possible when weighed against the fees and credits from the lenders. Highly recommend this company!

Errol B.

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I have to tell you how amazing it was to work with this team of professionals. They were always there for us and helped us get back to where we belong, owning a home!! We appreciate their knowledge, attention to detail, professionalism, and impeccable communication. You will never be misguided. We had an amazing experience with them and highly recommend them in a heartbeat. 

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If there was 10 STARS that is what I would give these guys! I seriously cannot say enough amazing things about them, their professionalism, wonderful spirit and attention to detail! Every time I called him I was smiling and left the conversation feeling even better about buying my home.

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Down Payment Assistance Eligibility Checker

Content presented for informational purposes only. Information deemed reliable but not guaranteed. Nothing herein creates an agency relationship between the customer and Next Page Realty. Next Page Realty does not own, operate nor endorse any particular assistance program, lender or options presented here. Terms and conditions of these assistance programs could change at any time.