Arizona homebuyers
Down Payment & Closing Cost Assistance Programs in Arizona
Arizona buyers can apply for federal, state and county programs worth up to $25,000-$30,000 or more toward a down payment, closing costs, or both.
- Funds can go to your down payment, closing costs, or both
- Federal, state and county programs matched to your ZIP code
- Guided by a Certified Local Specialist here in Arizona
Programs up to $25,000-$30,000 or more. Funds are first-come, first-served.
Prefer to talk? Call 480-256-2426
Check your down payment and closing cost options
Share a few details about your home buying plans. A Certified Local Specialist will follow up.
Why Arizona buyers start here
Help with both big costs
Assistance can go toward your down payment, your closing costs, or both, so you may need less cash at the table.
Programs from three levels
We look at federal, state and county programs available for your city and ZIP code in Arizona.
A Certified Local Specialist
You are connected with an Arizona real estate professional trained in down payment assistance programs.
Forgivable and repayable options
Some programs are forgivable if you stay in the home for a set period. Others are repaid. Terms vary by program.
Savings already set aside?
Buyers who already have money for a down payment may still apply for additional assistance funds.
Credit and mortgage guidance
Specialists give advice on improving your credit score and working toward mortgage qualification.
How down payment and closing cost assistance works in Arizona
ArizonaHomeGrants.org is a matching service. You tell us your income, credit score range, target home price and ZIP code. We use that to point you toward federal, state and county programs that may fit your situation.
From there, a Certified Local Specialist walks you through the program rules, the paperwork and the application steps. Funds are awarded first-come, first-served, and each program sets its own terms.
- Grant and assistance amounts up to $25,000-$30,000 or more, depending on the program
- Money can be applied to a down payment, closing costs, or both
- No-money-down programs for buyers with little or no savings
- Forgivable programs that ask you to stay in the home for a set period
- Repayable assistance programs with terms that vary by program
- Home rehabilitation programs in government-designated revitalization areas
- Matching based on income, credit score range and target home price
- Available across Arizona, matched by city and ZIP code
What Arizona buyers say
“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
You share the basics
Income range, credit score range, target home price and the ZIP code where you want to buy.
We match you to programs
We review federal, state and county down payment and closing cost programs available in your area.
A specialist reaches out
A Certified Local Specialist explains the program rules and helps you with the application steps.
Frequently asked questions
What can the assistance money be used for?
Programs can help with a down payment, closing costs, or both. Some programs also support home rehabilitation in government-designated revitalization areas.
Do I have to pay the money back?
It depends on the program. Some are forgivable if you stay in the home for a set period. Others are repaid. Your specialist explains the terms of each program you look at.
What does your service cost?
There is no stated fee for the matching service. Your Certified Local Specialist will go over any costs tied to a specific program or to your home purchase.
I already saved some money for a down payment. Should I still apply?
Yes. Buyers who already have funds set aside may still apply for additional assistance. A specialist reviews your situation and shows you which programs to consider.
My credit score is not great. Can I still look at programs?
You can still apply. Certified Local Specialists also give advice on improving your credit score and on working toward mortgage qualification.
Which areas do you cover?
Arizona only. We match buyers by city and ZIP code across all Arizona counties. We do not work with programs in other states.
See which Arizona programs fit your plans
Take a few minutes to share your ZIP code and home buying plans. A Certified Local Specialist will walk you through down payment and closing cost assistance options. Funds are first-come, first-served.
- Funds can go to your down payment, closing costs, or both
- Federal, state and county programs matched to your ZIP code
- Guided by a Certified Local Specialist here in Arizona
Prefer to talk? Call 480-256-2426