Arizona First-Time Home Buyer Programs 2026
Up to $15,000 DPA available through Arizona Department of Housing (ADOH). HOME+PLUS program offers DPA as a grant (never repaid) for qualifying buyers.
Max Assistance
Up to $15,000 DPA
Type
Forgivable or deferred
Min Credit
640+
Max Home Price
$396,543
Ready to apply for Arizona assistance?
Get pre-approved in minutes — your lender will connect you with ADOH programs automatically.
Arizona First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| HOME+PLUS Best — free money grant | Up to $15,000 | Grant (never repaid) | 640+ | $88K–$117K |
| Pathway to Purchase Phoenix metro buyers | Up to $20,000 | Forgivable after 5 yrs | 640+ | $96K |
Eligibility Requirements
- ✓640+ credit score
- ✓Income within program limits
- ✓Homebuyer education required
- ✓Primary residence only
- ✓Use ADOH-approved lender
Pro Tip
The HOME+PLUS grant is free money — never repaid. Available in Phoenix, Tucson, Mesa, Chandler, and statewide.
How to Apply for Arizona Programs
Get Pre-Approved
Work with a ADOH-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The Forgivable or deferred is applied at closing — you don't pay extra at the table.
Official Agency
Arizona Department of Housing
ADOH — Arizona official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Arizona?
The best program in Arizona is the HOME+PLUS, which offers Up to $15,000 as a Grant (never repaid). Minimum credit score: 640. Income limit: $88K–$117K.
How much down payment assistance is available in Arizona?
Arizona offers up to Up to $15,000 DPA through Arizona Department of Housing (ADOH). The assistance is structured as a Forgivable or deferred. Income limits are $88,000–$117,000 depending on household size and county.
What credit score do I need for Arizona first-time buyer programs?
Most Arizona programs through ADOH require a minimum credit score of 640. Some programs may accept lower scores with compensating factors. Check with an ADOH-approved lender for your exact score requirements.
What is the income limit for Arizona first-time buyer programs in 2026?
In 2026, Arizona income limits are $88,000–$117,000 depending on household size and county. The home price limit is $396,543. These limits are set by Arizona Department of Housing.
Don't Leave Up to $15,000 DPA on the Table
Pre-approval is free. Your lender will apply for ADOH programs automatically — no extra work for you.
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