Top 3 Down Payment Assistance Programs in Maricopa County

Published on October 20, 2025

For many first-time homebuyers in Maricopa County, the biggest hurdle to homeownership is saving for a down payment. The good news is, there are several excellent programs designed to help. These programs provide funds to cover your down payment and even closing costs, making your dream of owning a home a reality much sooner.

1. HOME+PLUS Home Loan Program

Offered by the Arizona Industrial Development Authority, this is one of the most popular programs in the state. It provides a forgivable loan of up to 5% of the mortgage amount to be used for your down payment. It's available to all homebuyers, not just first-timers, who meet the income and credit score requirements.

2. Pima Tucson Homebuyer's Solution

While named for Pima County, this program is available statewide. It offers down payment assistance in the form of a grant that does not need to be repaid. The amount of the grant depends on the loan type (FHA, VA, or Conventional).

3. City of Phoenix HOME Program

Specifically for properties located within the city of Phoenix, this program offers a silent second mortgage to help with the down payment. This loan is forgivable after a certain number of years, as long as you continue to live in the home as your primary residence.

How to Qualify

Each program has its own specific income limits, credit score requirements, and purchase price limits. The rules can be complex, but that's where we come in. As experts in these programs, we can quickly determine which ones you are eligible for and guide you through the application process. Contact us today for a free consultation.