Explore Arizona Homebuyer Grants & Assistance Programs
Explore Arizona-specific programs and grants that make homeownership more affordable—discover options, eligibility, and benefits designed to lower costs and help you buy a home with confidence.
Arizona Homebuyer Grants & Assistance Programs
Why These Programs Matter
Buying a home in Arizona can feel challenging when upfront costs like down payments and closing fees stand in the way. Fortunately, Arizona offers several grant and assistance programs designed to make homeownership more affordable by reducing financial barriers and providing tailored support for different types of buyers.Owning a home in Arizona isn’t just a dream—it’s a lifestyle. From the vibrant heart of Phoenix to the scenic beauty of Sedona, the Grand Canyon State offers incredible places to call home. But for many buyers, the biggest hurdle isn’t finding the perfect house—it’s overcoming the upfront costs.
That’s where Arizona homebuyer grants and assistance programs come in. These programs are designed to open doors by reducing down payments, covering closing costs, and offering tailored support for first-time buyers, veterans, and families across the state. Whether you’re looking to plant roots in the desert or settle into a quiet suburban neighborhood, these resources can help you save thousands and move into your new home sooner.
Your Arizona home is closer than you think—explore the programs that make it possible.
Arizona State and Local Programs
HOME+PLUS Program
The HOME+PLUS program, offered by the Arizona Industrial Development Authority, provides up to 4% assistance for down payment and closing costs through a forgivable second mortgage after three years. It’s designed to help Arizona residents overcome upfront financial barriers.
Pros:
- Statewide availability.
- Extra 1% assistance for military and veterans.
- Works with FHA, VA, USDA, and conventional loans.
Cons:
- Requires homebuyer education course.
- Income limit of $136,609.
- Assistance is a second mortgage until forgiven after 3 years.
Home in Five Advantage (Maricopa County)
This program offers up to 4% assistance for down payment and closing costs, plus an additional 1% for qualified military personnel. It’s tailored for buyers in Maricopa County, including Phoenix.
Pros:
- Generous assistance for local buyers.
- Military bonus incentive.
- Helps reduce upfront costs significantly.
Cons:
- Limited to Maricopa County.
- Requires credit score of 640+.
- Education course required.
Arizona Is Home Program
Provides 4% down payment assistance combined with a below-market 30-year fixed-rate mortgage. Designed for first-time buyers in rural counties outside Maricopa and Pima.
Pros:
- Great for rural buyers.
- Forgivable after five years.
- Offers competitive interest rates.
Cons:
- Location restrictions (not available in major metro areas).
- Annual funding limits can cause program pauses.
- First-time buyer requirement.
WISH Program (Workforce Initiative Subsidy for Homeownership)
Matches buyer contributions 4-to-1, up to $32,099 for down payment and closing costs. Ideal for first-time buyers with low-to-moderate income.
Pros:
- Significant matching funds.
- Encourages savings habits.
- Can dramatically reduce upfront costs.
Cons:
- Income limits apply.
- Requires homebuyer education.
- Limited availability through participating lenders.
Middle-Income Grant Program
Offers up to $50,000 toward down payment and closing costs for middle-income buyers who contribute at least $10,000 of their own funds. Designed to help moderate-income households compete in Arizona’s housing market.
Pros:
- Large assistance amount compared to other programs.
- Targets middle-income buyers often overlooked by other programs.
- Can make higher-priced homes more attainable.
Cons:
- Requires significant buyer contribution ($10,000).
- First-come, first-served basis; funding can run out quickly.
- May have stricter eligibility requirements.
Tucson Homebuyer’s Solution (Pima County)
Provides down payment assistance for buyers in Pima County, including Tucson. Offers competitive support for local residents.
Pros:
- Tailored for Tucson-area buyers.
- Helps reduce upfront costs.
- Works with multiple loan types.
Cons:
- Limited to Pima County.
- Income and credit score restrictions apply.
- Education course required.
Ready to find the perfect Arizona program for your home purchase? Check your eligibility now and start saving thousands!
Frequently Asked Questions
What is the HOME+PLUS program in Arizona?
The HOME+PLUS program offers up to 4% down payment and closing cost assistance as a forgivable second mortgage after three years. It’s available statewide and works with FHA, VA, USDA, and conventional loans. Buyers must meet income and credit requirements and complete a homebuyer education course.
Who qualifies for homebuyer grants and programs?
Home in Five Advantage is for buyers in Maricopa County, including Phoenix. You’ll need a credit score of 640+, income under $138,600, and completion of a homebuyer education course. Military personnel may receive an extra 1% assistance.
Are there programs for rural Arizona homebuyers?
How does the WISH program help Arizona buyers?
The WISH program matches your savings 4-to-1, up to $32,099, for down payment and closing costs. It’s ideal for first-time buyers with low-to-moderate income and requires participation through approved lenders and completion of homebuyer education.
Can middle-income buyers get help in Arizona?
Yes! The Middle-Income Grant Program offers up to $50,000 toward down payment and closing costs for moderate-income households who contribute at least $10,000 of their own funds. Funding is limited and awarded on a first-come, first-served basis.