ARIZONA Down Payment Assistance in 2026: What Actually Qualifies You
Last reviewed: September 2026
Arizona homebuyers don’t necessarily need a 20% down payment. The Arizona Industrial Development Authority runs the state’s two primary programs.
What Down Payment Assistance Programs Are Available in Arizona in 2026?
Home Plus provides up to 4% of the loan amount for down payment or closing costs, forgiven after 60 months, with no first-time-buyer requirement and no funding sunset — available statewide.
Arizona Is Home provides a below-market 30-year fixed rate plus 4% DPA, non-forgivable as of 2026, with an annual $55 million cap; it’s not available in Maricopa, Pima, or Chino Valley.
Can FHA Be Combined With Arizona DPA?
Yes, statewide, in all counties/zips for Home Plus.
Are There Local Arizona Down Payment Assistance Programs?
• Hopi Tribal Authority — grant up to $25,000 for enrolled tribal members
FHA, Conventional, VA, USDA, or DPA — How Do They Compare?
Option | Typical Down Payment | Best Starting Fit | Key Tradeoff |
FHA | 3.5% | Limited savings or flexible credit needs | Upfront and annual mortgage insurance |
Conventional | As low as 3% for qualifying buyers | Stronger credit, lower long-term PMI | More credit-sensitive qualification |
VA | Often 0% | Eligible veterans, service members, spouses | Entitlement and COE required |
USDA | Often 0% | Eligible rural/suburban Arizona properties | Property location and income limits |
FHA/Conventional + Home Plus | Reduced by 4% | Buyers short on cash who qualify for the loan | Forgiven after 60 months — moving sooner has consequences |
Can Repeat Buyers Get Down Payment Assistance in Arizona?
Yes — Home Plus has no first-time-buyer requirement, making it broadly available to repeat buyers as well.
What Cash Might You Still Need at Closing?
Home Plus’s 4% typically covers most or all of an FHA down payment, though earnest money and inspection/appraisal costs still generally apply.
Who Specializes in Down Payment Assistance in Arizona?
Arizona buyers should look for a Home Plus-approved mortgage professional. Notably, American Pacific Mortgage (APMC Financial) is currently listed on Arizona IDA’s public
Home Plus approved-lender roster.
I’m Mike Belfor, Branch Manager and Mortgage Loan Originator with American Pacific Mortgage, NMLS #264700, licensed to originate mortgages in Arizona. My broader mortgage career includes more than 23 years of lending experience, approximately 578 first-time-homebuyer transactions, and approximately 115 transactions involving down payment assistance. Those are career-wide figures, not Arizona-specific production numbers.
Ready to See What You Qualify For?
Reach out and I’ll run your numbers against what’s currently available.
Mike Belfor | Branch Manager – Loan Originator | American Pacific Mortgage | NMLS #264700 | Licensed in Arizona | mikebelfor.com
Program guidelines, rates, income limits, and funding availability are subject to change. Not all borrowers or properties qualify. Information is educational and should be confirmed against current program and underwriting guidelines.
Official Sources - Home Plus Program - Arizona Is Home
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