Arizona Down Payment Assistance Programs

Updated December 11, 2023


There is down payment assistance currently available in every county in Arizona. All of our down payment assistance programs come in the form of grants that are fully forgiven at closing. Our average client receives $13,650 in grants towards their home purchase. Check Your Eligibility to see if you qualify.

How Does Down Payment Assistance Work?

The Arizona Department of Housing, Non-Profits and Private Lenders have set aside millions of dollars to assist people in purchasing a home. To simplify the process of securing a grant and buying a home, the down payment grant providers have partnered with us at HomePad Lending. We will pre-approve you for the mortgage while also securing your down payment grant from one of our providers. To get approved you will need:

  • 620+ Credit Score
  • First-time Or Repeat Homebuyer OK
  • Proof of Income To Repay The Mortgage
  • Our Programs Have No Income Caps (No Income Limits/Restrictions)
  • No Private Mortgage Insurance Required On Select Programs.

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.

Down Payment Assistance Eligibility Checker

We may need to contact you if you qualify for multiple programs.

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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

We may need to contact you if you qualify for multiple programs.

See What Our Clients Have To Say…

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Our experience with this company was seamless from start to finish. We couldn’t be more grateful for the firm’s thoroughness and dedication to assisting all our needs throughout the entire process. In a prior experience with another firm we felt forgotten, and that process dragged along. However, with these guys, we felt as if we were the number one priority every day. With our busy and random schedules we were able to converse through emails and still close our transaction in what we consider record time. All of our questions were answered promptly and cheerfully, and the details of the process were always made clear to us. Our expectations were blown away and we absolutely recommend them to family, friends and everyone else! I would like to thank them and their team behind the scenes.

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. 

Thank you or even a review does not seem sufficient!!

Kristi B.

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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.

Chiazor A.