Buying a Home in Phoenix with Down Payment Assistance (2026)

For many renters in Phoenix, the biggest barrier to buying a home isn't the monthly payment—it's saving for the down payment. What if you could buy a home with little to no money down? That's exactly what Down Payment Assistance (DPA) programs are designed to do.

What is DPA?

DPA programs are grants or forgivable loans that cover your down payment and, in some cases, your closing costs. These programs are offered by state and local housing authorities to make homeownership more accessible.

Popular DPA Programs in Maricopa County

• Home in Five Program: This is the most popular program in Maricopa County. It provides a grant (a gift that doesn't need to be repaid) of up to 5% of the loan amount for eligible first-time and repeat buyers.
• Pathway to Purchase (P2P): This program offers a forgivable second loan of up to 10% (max $20,000) in specific, targeted zip codes.
• WISH Program: Offers a 4-to-1 match on your savings, up to a large grant amount. Funds are limited but incredibly powerful.

Who Qualifies?

While each program has its own rules, you generally need to:

• Have a minimum credit score (e.g., 640).
• Fall under a certain household income limit.
• Buy a home under a certain price limit.
• Complete a homebuyer education course.

You don't always have to be a first-time homebuyer to qualify! These programs are a powerful tool for anyone who needs help overcoming the down payment hurdle.