What down payment assistance is available in Arizona for 2026?

Arizona Department of Housing (ADOH) offers the HOME Plus program — up to 5% of the purchase price as a forgivable second mortgage (forgiven over 3 years). Combined with a below-market FHA or conventional first mortgage. Requires 640+ credit, income limits, and homebuyer education.

How much down payment assistance can I get in Arizona?

HOME Plus provides up to 5% of the purchase price as DPA. On a $450,000 home in Phoenix, that is $22,500. The DPA is a forgivable second mortgage at 0% interest — forgiven over 3 years (1/3 per year). If you stay in the home for 3 years, the entire amount is forgiven.

What are Arizona HOME Plus income limits for 2026?

HOME Plus income limits vary by county. Maricopa County (Phoenix) caps at approximately $98,000 for 1-2 person households. Pima County (Tucson) caps at approximately $79,000. Check ADOH for current limits.

Do I have to be a first-time home buyer for Arizona HOME Plus?

Yes, HOME Plus requires first-time buyer status (no home ownership in past 3 years). However, buyers in federally designated Target Areas are exempt. Veterans and active military may also be exempt.

Arizona Down Payment Assistance 2026: HOME Plus 5% DPA

Updated August 2, 2026 · 10 min read · By Sarah Mitchell, VA/FHA Specialist

TL;DR: Arizona HOME Plus gives 5% of your purchase price as a forgivable second mortgage — forgiven over just 3 years (fastest forgiveness in the US). On a $450K Phoenix home, that is $22,500 in free DPA. Plus below-market FHA/conventional rates. Check if you qualify →

Of purchase price (forgiven 3 yrs)

$22.5K

On a $450K home in Phoenix

640

Min credit score

3 yrs

Fastest forgiveness in US

HOME Plus — 5% Forgivable DPA (3-Year Forgiveness)

Arizona Department of Housing (ADOH) offers HOME Plus — up to 5% of the purchase price as a forgivable second mortgage at 0% interest. The DPA is forgiven over just 3 years (1/3 per year) — the fastest forgiveness timeline of any state DPA program. Combined with a below-market FHA, conventional, or VA first mortgage. Check your DPA eligibility →

Program	DPA Amount	Type	Min Credit	Best For
HOME Plus (FHA)	5% of purchase price	Forgiven over 3 years	640+	Most popular — FHA + 5% DPA, fast forgiveness
HOME Plus (Conv)	5% of purchase price	Forgiven over 3 years	640+	Conventional with 5% DPA
HOME Plus VA	5% of purchase price	Forgiven over 3 years	640+	Veterans — combine VA loan with DPA

Arizona HOME Plus Income Limits

County	1-2 Person Household	3+ Person Household
Maricopa (Phoenix)	$98,000	$112,700
Pima (Tucson)	$79,000	$90,850
Pinal	$89,000	$102,350
Yavapai (Prescott)	$82,000	$94,300
Coconino (Flagstaff)	$92,000	$105,800
Mohave	$72,000	$82,800

Source: Arizona Department of Housing, 2026 income limits. Check housing.az.gov for current limits.

Get 5% Forgivable DPA in Arizona

HOME Plus. Forgiven in just 3 years — fastest in the US. Below-market rates.

Check DPA Eligibility →

How to Apply for Arizona HOME Plus

1. Complete ADOH-approved homebuyer education (online, ~4 hours)
2. Find a HOME Plus-approved lender
3. Get pre-approved for a HOME Plus first mortgage (FHA, conventional, or VA)
4. Apply for 5% DPA second mortgage simultaneously
5. Close with first mortgage + 5% DPA — forgiven over 3 years

FAQ

What down payment assistance is available in Arizona?

HOME Plus — up to 5% of purchase price as a forgivable second mortgage, forgiven over just 3 years. Check eligibility →

How much DPA can I get in Arizona?

5% of the purchase price. On a $450K Phoenix home, that is $22,500. Forgiven over 3 years — fastest forgiveness in the US. Get pre-approved →

Do I have to be a first-time buyer for HOME Plus?

Yes, HOME Plus requires first-time buyer status. Buyers in Target Areas and veterans may be exempt. Compare lenders →

Ready to Buy in Arizona with DPA?

5% forgivable DPA (3-year forgiveness) + below-market rates.