Arizona down payment help.
A clear overview of state and local programs, with official links.
Programs overview
Arizona's HOME Plus is the state-run, statewide down payment assistance program, available in every county, city and ZIP (AZ Department of Housing). Unlock the full overview below.
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HOME Plus (statewide)
Run by the Arizona Industrial Development Authority. Pairs a 30-year fixed-rate mortgage with down payment assistance of up to 4% (depends on the first mortgage), usable for down payment, closing costs, or both, as a forgivable second lien. Income limits apply. Sources: homeplus.az.gov, AZ Department of Housing.
Arizona is Home
The Arizona IDA reports 2026 funds for this program are exhausted. Check official updates for next year.
Local programs
Maricopa County and some cities run their own programs. See the AZ Department of Housing's programs for homebuyers list.
How to use them
- Find a lender approved for the program.
- Complete any required homebuyer education.
- Get pre-approved with the program built in, then shop.
Program terms change. Always confirm with the program and an approved lender.
Frequently asked questions
Is there down payment assistance in Arizona?
Yes. HOME Plus is statewide. Some counties and cities have their own programs too.
Do I have to be a first-time buyer for HOME Plus?
Check current program guidelines with an approved lender; eligibility rules change.
Talk to a local Realtor
Send a quick note and I'll get back to you within 24 hours. Prefer to talk now? Call or text (602) 565-7988.