Arizona down payment program matching
Down Payment Assistance in AZ, Matched to Your ZIP Code
Federal, state and county programs can help with down payments and closing costs. Tell us about your plans and see which programs may fit your situation.
- Some programs offer up to $25,000-$30,000 or more
- No-money-down and closing cost programs across Arizona
- Guidance from a Certified Local Specialist near you
Federal, state and county programs reviewed for buyers across all Arizona counties.
Prefer to talk? Call 480-256-2426
See which Arizona programs may fit you
Answer a few short questions. A Certified Local Specialist can walk you through the options in your area.
How down payment assistance can help you buy in Arizona
Help with the cash due at closing
Assistance programs can go toward your down payment and closing costs, so you may need less money on closing day.
No-money-down options
Some Arizona programs are built for buyers with little or no savings. We review those options with you.
Forgivable or repayable programs
Some grants are forgivable if you stay in the home for a set period. Others are repaid. Terms depend on the program.
A Certified Local Specialist
You are connected with an Arizona real estate professional trained in down payment assistance programs and local markets.
Credit and mortgage guidance
Specialists give advice on improving your credit score and working through the mortgage qualification process.
Rehab funds in some areas
Certain programs support home rehabilitation in government-designated revitalization areas.
What Arizona down payment assistance programs cover
Arizona Home Grants Now is a matching service. You share your income range, credit score range, target home price and the ZIP code where you want to buy. We use that to point you toward federal, state and county programs that may fit, then connect you with a Certified Local Specialist who explains the rules and helps with the paperwork.
Program rules, amounts and repayment terms are set by each program, not by us. Funds are awarded first-come, first-served, so it helps to start early and learn what is open in your area.
- Federal, state and county down payment assistance programs in Arizona
- Assistance of up to $25,000-$30,000 or more, depending on the program
- No-money-down purchase options for buyers with little savings
- Help with closing costs as well as the down payment
- Forgivable grants with a stay-in-home period, plus repayable assistance
- Home rehabilitation funds in government-designated revitalization areas
- Matching based on income, credit score, target price and ZIP code
- Application help and guidance from Certified Local Specialists
What Arizona buyers say about the process
“We are first time home buyers and didn't have much money for our down payment. We found ArizonaHomeGrants and we qualified for $21,000 that we were able to use for the down payment and even had enough left over to use toward closing costs, this completely changed our lives! ”
“I was introduced to ArizonaHomeGrants from a friend who just purchased a home. I had my down payment already, but I was able to add an additional $22,000 . This helped me make a more aggressive offer with a home with multiple offers. I would not have been able to get the home with that much competition without it! Highly recommend as this is life changing!”
“Being a single mom and trying to come up with the money to purchase a home is so difficult. I found ArizonaHomeGrants and they helped me get $18,000 to help me purchase my home, I'm so grateful to them as I was able to keep my kids in the area where their school and friends are, and they all got their own room. Without ArizonaHomeGrants none of that would have been possible, I couldn't be happier!”
What happens after you submit
Share your details
Tell us your income range, credit score range, target home price and the ZIP code where you want to buy.
We match programs to you
Your information is reviewed against federal, state and county assistance programs available in your Arizona area.
Talk with a local specialist
A Certified Local Specialist contacts you to go over program rules, applications and your next steps.
Frequently asked questions
What does the matching service cost?
No fee is charged to you for the matching service. Each assistance program sets its own terms, and your Certified Local Specialist can explain any costs tied to a specific program before you apply.
Do I have to be a first-time buyer?
Not always. Rules differ by program, and Arizona has federal, state and county options with different requirements. A specialist reviews which programs fit your situation.
I already saved some money. Can I still apply?
Yes. Buyers who already have part of a down payment can still look at assistance programs, and the extra funds may go toward closing costs or a stronger offer.
Does the money have to be paid back?
It depends on the program. Some grants are forgivable if you stay in the home for a set period. Others are structured as assistance that is repaid. The terms are explained before you apply.
What if my credit score is low?
Certified Local Specialists give advice on improving credit and working toward mortgage qualification, along with reviewing assistance programs that may fit where you are now.
Which areas do you cover?
Arizona only. All Arizona counties are covered, and programs are matched to your city and ZIP code. Funds are awarded first-come, first-served.
Find out which Arizona programs may fit your move
Take a minute to share your plans. A Certified Local Specialist can explain the down payment assistance options in your ZIP code and what the application involves.
- Some programs offer up to $25,000-$30,000 or more
- No-money-down and closing cost programs across Arizona
- Guidance from a Certified Local Specialist near you
Prefer to talk? Call 480-256-2426