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We can help you get qualified for ANY AZ mortgage so you can buy a home including the several Down Payment Assistance Programs in AZ!   There are a few First Time Home Buyer Programs in AZ as well!! Which mortgage program is best for you?  What program will get you the best payment?  Are you looking for an FHA Loan, VA Loan, USDA Loan, Jumbo Loan or a Conventional Loan?  We're here to help get you the most up to date mortgage rates in Arizona with the best payment that fits your situation!

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AMERICAN DREAM DOWNPAYMENT INITIATIVE (ADDI)

ADDI will provide downpayment, closing costs, and rehabilitation assistance to eligible individuals. The amount of ADDI assistance provided may not exceed $10,000 or six percent of the purchase price of the home, whichever is greater.  To be eligible for ADDI assistance, individuals must be first-time homebuyers interested in purchasing single family housing. A first-time homebuyer is defined as an individual and his or her spouse who have not owned a home during the three-year period prior to the purchase of a home. ADDI funds may be used to purchase one- to four- family housing, condominium unit, cooperative unit, or manufactured housing. Additionally, individuals who qualify for ADDI assistance must have incomes not exceeding 80% of area median income.

For more information on ADDI, please refer to Title I of the American Dream Downpayment Act (Public Law 108-186, approved December 16, 2003) and the ADDI interim rule at 24 CFR §92.600.

What is ADDI?

The American Dream Downpayment Initiative (ADDI) was signed into law by President Bush on December 16, 2003 under the American Dream Downpayment Act (Public Law 108-186) (ADDI statute). Funds made available under the ADDI statute will be allocated to eligible HOME program participating jurisdictions (PJ) to assist low-income families become first-time homebuyers.

How can Arizona First Time Home Buyers apply for ADDI funds?

ADDI will be administered as part of the HOME Investment Partnerships Program (HOME) by state and local participating jurisdictions. For more information on ADDI or the HOME program, contact your state or local participating jurisdiction by searching the contact information found here.

You can contact the local participating jurisdiction to confirm available funds and time required to close.

Local Participating Jurisdictions

Maricopa County | City of Phoenix | Pima County / Tucson

City Housing Departments

Avondale | Chandler | Gilbert | Glendale | Mesa | Peoria | Scottsdale | Tempe

What Are AZ Home Buyer Grants?

Many home buyers search for home loan grants Arizona. How do they work?  Grants are given by the federal, state or local governments and, when available, are great to help with down payment assistance and closing costs.

Unlike some types of assistance, grants are not expected to be repaid.

There are a variety of different down payment assistance programs available in Arizona. They are offered through the state, county and city governments and state housing agencies and are made available to serve low to average income earning Arizona families.  They also help revitalize areas that have been hit hard by foreclosures to help boost and stabilize home values.

At times, instead of a true grant program, many of the down payment assistance programs will provide the assistance funds in the form of a silent second that has no interest, no payment and is forgiven monthly over the first three years of home ownership.

List of Arizona Down Payment Assistance Programs

Home Buyer Grants Available in Arizona Offered by the Federal Government

Programs offered by the federal government are typically administered through the Department of Housing and Urban Development (HUD).  Please note that arizonadownpaymentassistance.com is not a government agency and is not affiliated with HUD.

Programs including home loan grants in Arizona that HUD offers include (but are not limited to) the following:

  • Good Neighbor Next Door provides substantial discounts on homes in key revitalization areas to teachers, law enforcement officers, firefighters and EMTs.
  • Homeownership Voucher Program provides assistance in the form of home buying subsidies to first time homebuyer low-income families.
  • Homeownership for public housing residents provides assistance for public housing residents in becoming homeowners.
  • Neighborhood Stabilization Program help revitalize Arizona communities that have been hit hard by foreclosures and abandonment to help boost and stabilize home values. The program aims for the purchase and redevelopment of foreclosed and abandoned homes and residential properties.

Assistance for Existing Homeowners

In addition, the government offers affordable housing help to existing homeowners that are struggling to maintain their higher mortgage payments through various refinance, modification, short sale or deed-in-lieu programs.

Two of the most popular recent government affordable housing mortgage programs include the Making Home Affordable Program and the Home Affordable Foreclosure Alternatives Program.

HOMES WE CAN HELP YOU FINANCE

$299,900
2 Beds ⋅ 2 Baths ⋅ 7075150 MLS ⋅ 1,093 SqFt.
Enjoy the best of Tempe living from a peaceful, tree-lined community that keeps you close to the action without feeling right in the middle of it. With quick access to major freeways, shopping, dining, ASU, Tempe Town Lake, Mill Avenue, Kiwanis Park, Arizona Mills, LEGOLAND Discovery Center, and SEA LIFE Arizona Aquarium, this location makes it easy to get around and enjoy everything the city has to offer. Local favorites such as Aunt Chilada's and Rustler's Rooste are nearby, along with plenty of everyday restaurants, coffee shops, and shopping along the Baseline corridor. Inside, vaulted ceilings and abundant natural light create an open, comfortable feel, while the living room is anchored by a cozy fireplace and flows easily into the dining and kitchen areas. Tile flooring throughout the main living spaces adds to the easy-care lifestyle. The kitchen was beautifully updated in January 2024 and is one of the highlights of the home. Light stone-look countertops with subtle gray detailing provide a clean, updated finish and extend into a breakfast bar with additional counter seating. Warm cream cabinetry is accented by distinctive custom carved walnut hardware, including new pull out drawers with soft close in the pantry and all lower cabinets. A deep undermount stainless-steel sink, modern high-arc faucet, newer appliances, and dedicated task lighting complete the space. A warm wood accent wall and open display shelving add character and create an inviting transition between the kitchen and dining area. The spacious primary suite provides plenty of room to unwind and offers direct access to one of the home's private outdoor areas. In total, three private patios give you multiple spaces for morning coffee, outdoor dining, plants, or simply relaxing in the shade. The community offers a sparkling pool and spa without the maintenance of having one yourself, along with mature landscaping and an HOA that includes water and exterior maintenance. A brand-new roof adds additional peace of mind. With an attached garage, updated kitchen, vaulted ceilings, fireplace, three private patios, community pool and spa, and a central Tempe location close to shopping, restaurants, recreation, and major freeways, this home offers an easy Arizona lifestyle in a location that's hard to beat.

1222 W Baseline Road Unit 153, Tempe
$264,900
2 Beds ⋅ 2 Baths ⋅ 7075107 MLS ⋅ 1,049 SqFt.
Park like setting for this 2-bedroom, 2-bathroom home that is ready for its next chapter. The open floor plan and vaulted ceilings provide a spacious feel, while the large kitchen offers plenty of room to cook and chat with guests in the living room. This home offers the perfect opportunity to add your own personal updates. Plus, you will love the active 55+ neighborhood amenities, including the heated pool and clubhouse.

542 S Higley Road Unit 30, Mesa
$430,000
3 Beds ⋅ 3 Baths ⋅ 7075028 MLS ⋅ 2,180 SqFt.
LOWEST PRICE PER SQFT IN ENCANTERRA! The moment you enter the prestigious Encanterra community, you'll feel right at home. This stunning residence features 3 BD 3 full BA, The primary suite and an additional bd are conveniently located on the main level. Upstairs features additional bd, a den, and a spacious loft, making it the perfect setup for out-of-state guests and visiting family. The kitchen is a true chef's dream, high-end granite countertops, upgraded backsplash, stainless steel appliances, gas cooktop, and a large center island perfect for everyday living and entertaining. The open-concept design flows seamlessly into the great room, creating an ideal space for gatherings. Step outside to a charming patio with a cozy fire pit, The exterior painted in Fall 2025. Be impressed!

756 E Verde Boulevard, Queen Creek
$445,000
3 Beds ⋅ 3 Baths ⋅ 7074914 MLS ⋅ 1,701 SqFt.
Modern newly built 3-bedroom, 3-bath townhome in Gilbert, Arizona, located in the gated Mosaic at Layton Lakes community. This upgraded two-story home features an open-concept great room, spacious kitchen with granite countertops, ample cabinetry and generous prep space, tile flooring throughout the main living areas, comfortable carpeted bedrooms and a private balcony. The attached two-car garage provides parking and storage. Mosaic at Layton Lakes features just 87 townhomes with resort-style amenities including a community pool and spa, clubhouse, playground, BBQ grills and walking paths. Enjoy low-maintenance living within the desirable Layton Lakes master-planned community near Gilbert shopping, dining, parks, recreation and major roadways.

746 E Doral Avenue Unit Unit 201, Gilbert
$320,000
2 Beds ⋅ 2 Baths ⋅ 7074842 MLS ⋅ 1,287 SqFt.
Introducing this charming 2-bedroom townhome now for sale in Landings Community! Inside, find a large living & dining room enhanced by a cozy fireplace, picture windows, and exposed beams on the vaulted ceilings, creating an inviting space for both everyday living and entertaining. The kitchen offers matching appliances, plenty of cabinetry, plantation shutters, recessed lighting, and a handy pantry. Discover a sizable main bedroom, featuring plush carpet, a walk-in closet, and a private bathroom with a glass block shower. As an added bonus, a washer and dryer are included. Enjoy scenic lake views from the relaxing covered patio. You'll also have access to fantastic Community amenities that add even more value and enjoyment to your lifestyle. This move-in ready gem is the one for you!

2256 W Lindner Avenue Unit 28, Mesa
$400,000
3 Beds ⋅ 3 Baths ⋅ 7074503 MLS ⋅ 1,594 SqFt.
Pride of Ownership that Shows! This 3 bed, 2.5 bathroom Townhome is in a Prime Chandler location with easy access to the 202 freeway, shopping, and dining. This home also is close to Chandler Gilbert Community College, a short distance to downtown Chandler and downtown Gilbert as well as the Gilbert farmers market. Inside the home you will enjoy large-format neutral brown tile set on a diagonal pattern, a spacious family room with wood accent wall, and a large picture window overlooking the covered patio and grass common area. The kitchen features warm Maple Cabinets, SS appliances, Granite Countertops, and travertine backsplash. Upstairs opens to a spacious loft & split bedroom floor plan. The Primary suite features a walk-in closet and a full bath w/ extended vanity... The secondary bedrooms are generously sized and have easy access to the upstairs full bath. Other features include water softener hookup, R.O system under the kitchen sink, 2 car garage, indoor laundry, and community amenities such as a pool, spa, BBQ area, and playground. Residents also have easy access to Arbuckle Park, which offers pickleball, basketball, and large playground.

2600 E Springfield Place Unit 89, Chandler
$299,999
2 Beds ⋅ 3 Baths ⋅ 7074459 MLS ⋅ 1,152 SqFt.
Welcome to this gorgeous, move-in-ready 2-bedroom, 2.5-bath townhome nestled in a quiet, gated community. Enjoy resort-style living with access to a heated community pool, clubhouse, fitness center, playgrounds, and beautifully maintained common areas. The interior features tile flooring, custom accent paint, and 2'' blinds throughout. The eat-in kitchen boasts granite countertops, a breakfast bar, raised panel cabinets, smooth-top range, and a built-in microwave--perfect for dining and entertaining. Additional highlights include: a spacious laundry room, dual walk-in closets in the primary suite, a covered patio with an extended concrete pad for outdoor enjoyment, and 2 assigned parking spaces! This home offers comfort, style, and convenience all in one package!

7726 E Baseline Road Unit 154, Mesa
$350,000
3 Beds ⋅ 2 Baths ⋅ 7074375 MLS ⋅ 1,131 SqFt.
Updated, move-in ready & ideally located in Mesa! This inviting home features a beautifully updated kitchen completed in 2024 with white cabinetry, quartz countertops, breakfast bar, modern lighting & stylish backsplash. Updated bath features a tiled walk-in shower & contemporary finishes. Laminate flooring, abundant natural light & modern ceiling fans add to the home's fresh, comfortable feel. Enjoy a low-maintenance backyard with synthetic grass, covered outdoor space & mature shade tree. Features the covered gated car port & 1 car garage. Conveniently located near US-60 with easy access to Downtown Gilbert, Downtown Mesa, Tempe, Chandler, Scottsdale & Sky Harbor. Minutes from shopping, dining, Fry's, Sprouts, Trader Joe's & Natural Grocers. Community features a pool & playgrounds.

1823 E Jamaica Avenue, Mesa
$500,000
3 Beds ⋅ 3 Baths ⋅ 7074322 MLS ⋅ 1,794 SqFt.
Welcome to this STUNNING Fulton Executive home located in the prime Ocotillo area of Chandler! Feels like a model home. Offering an ideal location right across from the gated community pool and pickleball court. Over $55,000 in brand new upgrades including gorgeous wood-like wide plank flooring throughout, fresh interior paint, a newer energy-efficient Trane A/C (3 years), and all-new stainless steel appliances in the chef's kitchen. This highly sought-after floor plan features a convenient downstairs primary suite with two large closets. Upstairs has two extra bedrooms, a built in desk area and a large versatile loft - ideal for a home office, playroom, exercise area or 2nd family room. Enjoy a beautiful low maintenance backyard with no rear neighbor, backing to beautiful trees... private and peaceful setting. Professionally landscaped backyard has a lush turf area and a concrete patio perfect for your hot tub or storage shed. Open floorplan is flooded with natural lighting and soaring 10' ceilings. Finished two car garage with epoxy flooring. Lantana Village offers beautifully maintained landscaping, gorgeous greenbelts, a community pool, ramada's with BBQs, and pickleball/sport court. Low HOA fee of $160/month includes maintenance of the front yard and exterior paint with a fresh coat scheduled for 2027. Located in one of Chandler's high-growth areas, just 5 minutes south of the 202. Close to Paseo Vista Recreation Park featuring an archery range, dog park, walking and biking trails. Convenient access to Intel, the Price Corridor, shopping, dining, and more. A truly exceptional home in an unbeatable location!

3769 S Laurel Way, Chandler
$345,000
2 Beds ⋅ 2 Baths ⋅ 7074264 MLS ⋅ 1,239 SqFt.
Welcome home to effortless, modern living in an unbeatable location! This beautifully upgraded 2-bedroom, 2-bathroom townhome perfectly blends contemporary style with everyday convenience. The bright, open floor plan features brand-new custom paint and premium waterproof laminate flooring. The heart of the home flows seamlessly into the kitchen, where you can look out through the dining space directly onto your private covered patio. Both bathrooms have been fully modernized with new quartz countertops, under-mount sinks, updated faucets, and contemporary lighting. Stay cool and comfortable with a top-tier, 2-year-old AC unit and brand-new contemporary ceiling fans in every room. The attached 1-car garage comes equipped with a brand-new Chamberlain garage door opener. Located across from Intel, this unit is minutes from premier shopping, top-rated dining, and golf courses. This turn-key gem is perfect for professionals, investors, or anyone seeking a vibrant lifestyle. See it before it's gone!

295 N Rural Road Unit 142, Chandler
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