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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

$275,000
2 Beds ⋅ 2 Baths ⋅ 7074021 MLS ⋅ 1,024 SqFt.
Recent upgrades include fresh paint (2022), new blinds (2023), all-new ceiling fans and lighting (2023), and window tints (2025), plus an insulated garage attic for added efficiency. Tucked inside a desirable gated community, this well-maintained home offers privacy, comfort, and low HOA fees. The split floorplan creates inviting living spaces with a peaceful atmosphere throughout. A standout feature is the private backyard, backing to a wash for extra privacy, with a covered patio, fountain, and fire pit adding even more separation and a quiet, secluded feel. Ideally situated near shopping, dining, and freeway access, this home is part of a clean, well-kept community with a community pool, delivering low-maintenance living in a secure, sought-after setting.

6610 E University Drive Unit 58, Mesa
$379,000
2 Beds ⋅ 2 Baths ⋅ 7073908 MLS ⋅ 1,502 SqFt.
***GORGEOUS...MOVE-IN READY...MINT CONDITION...SINGLE STORY...2 Bed/2Bath TOWNHOME in NE MESA*** Located in the highly sought-after Sunland Springs Village 55+ Community, this luxurious OPEN FLOOR PLAN condo INCLUDES MOST FURNISHINGS (on a separate bill of sale), offers a SPLIT FLOOR PLAN & is LOADED w/ UPGRADES like NEW ROOF, PLANTATION SHUTTERS, NEW APPLIANCES, TILE FLOORING, NEW FIXTURES & so much more!! Finishing touches include a PRIVATE OUTDOOR PATIO, 2-CAR GARAGE w/ BUILT-IN CABINETRY & lots of storage space!! Perfect for WINTER VISITORS & YEAR-ROUND RESIDENTS ALIKE, this unit is meticulously kept from top to bottom. Sunland Springs Village offers amazing amenities & facilities like TENNIS, PICKLEBALL, GOLF, WORKOUT FACILITIES, LIBRARY, CRAFTS, BILLIARDS & SO MUCH MORE!!

11360 E Keats Avenue Unit 70, Mesa
$450,000
2 Beds ⋅ 3 Baths ⋅ 7073907 MLS ⋅ 1,484 SqFt.
***RARE GOLF COURSE TOWNHOME*** Don't miss the AMAZING GOLF COURSE & LAKE VIEWS in this STUNNING, MOVE-IN READY, MINT CONDITION, SINGLE STORY Townhome in ALTA MESA PARKLINKS commuinty in NE Mesa!! Available FULLY FURNISHED, it's LOADED w/ UPGRADES like GRANITE COUNTER TOPS, 42'' CUSTOM CABINETS, WOOD-LOOK TILE FLOORS, NEW AC, (2025), NEW HOT WATER TANK (2024) ,NEWER ROOF (2020). The OPEN FLOOR PLAN features LOTS OF UPGRADED WINDOWS for INCREDIBLE NATURAL LIGHTING & AMAZING VIEWS. Step outside & take in the BREATH-TAKING GOLF COURSE & LAKE VIEWS from your TILED, COVERED PATIO & SYNTHETIC TURF YARD perfect for entertaining! This RARE CORNER UNIT features HEATED COMMUNITY POOL & SPA steps from your front door!! Easy walk through private community gate to parks, shopping, restaurants & more! ***5445 E, McKellips,Unit 28 --Highlights and Extras!!*** -BUILDERS UNIT...with FULL SCALE KITCHEN RENOVATION with Granite Counter Tops -CORNER UNIT-only ONE Shared Wall -1484 Square Foot, 2 Bed/2.5 Bath-SINGLE STORY, OPEN FLOOR PLAN -"Wall of Windows" with GORGEOUS 180 Degree View of Golf Course and Lakes -Available FULLY FURNISHED -Newer Roof (2020) with Fully Transferable Warranty -Newer HVAC (2025) with Fully Transferable Warranty ($250 Fee) -Newer Water Heater (2024) -New Energy Efficient Windows (2016) w/ Transferable Lifetime Warranty -Tile Flooring in all areas but Bedrooms -Tiled Covered Patio with Wet Bar/Storage & Synthetic Turf Area -Wet Bars in Living Room & Primary Bedroom -Guest Bedroom features Private en suite Bathroom -INDOOR LAUNDRY- Commercial Quality Washer & Dryer -2 Car Garage PLUS 2 Car Driveway Parking -Heated Pool & Spa just steps from your front door -Dog exercise area adjacent to the unit -Truly Nolan Termite Protection Warranty Fully Transferable ($75 Fee) -Vivint Home Security System Included (monthly monitor service additional) -Private Community Gate Exit to Alta Mesa Park & Restaurant areas

5445 E Mckellips Road Unit 28, Mesa
$329,990
2 Beds ⋅ 3 Baths ⋅ 7073882 MLS ⋅ 1,272 SqFt.
Updated and move-in ready 2-bedroom, 2.5-bath townhome in Chandler, AZ, offering comfort, style, and convenience. Featuring updated flooring throughout, this inviting home offers a bright and functional layout with spacious living areas and a well-appointed kitchen with ample cabinet and counter space. The two bedrooms provide comfortable living space, with the primary bedroom offering added privacy and convenience. Enjoy easy parking with 1 dedicated slab parking space. Conveniently located near shopping, dining, parks, schools, and major roadways, this townhome offers a great combination of modern updates, functionality, and everyday Chandler living.

500 N Roosevelt Avenue Unit 59, Chandler
$375,000
3 Beds ⋅ 2 Baths ⋅ 7073878 MLS ⋅ 1,803 SqFt.
Beautifully cared-for 3-bedroom home overlooking the Alta Mesa golf course and water in gated Alta Mesa Resort Village. New HVAC Aug 2026 and new roof underlayment May 2026. Lightly lived in as a seasonal residence, this inviting home features an open, light-filled floor plan and a covered view deck where the golf course, water and Arizona skies become part of everyday living. The split-bedroom design provides privacy for owners and guests, while the primary suite includes an ensuite bath and a sitting room or office overlooking the golf course. Exceptionally well maintained and move-in ready, this is an ideal full-time residence or lock-and-leave Arizona retreat. The family room flows naturally onto the covered view deck, creating a wonderful extension of the living space and a... front-row seat to the golf-course setting beyond. Enjoy morning coffee, dinner outdoors, Arizona sunsets, or simply a quiet afternoon watching the activity on the course and water. The three-bedroom split floor plan offers flexibility for visiting family and friends, a home office, or hobbies while maintaining privacy for the primary suite. The primary bedroom is especially appealing, with an ensuite bath and adjoining sitting room or office positioned to enjoy the golf-course view. The home has been lightly lived in as a seasonal residence and exceptionally well cared for. Recent flooring upgrades, new roof underlayment as of May 2026, and a new heating and air-conditioning system as of August 2026 add to the comfort and ease of ownership. A private one-car garage provides additional convenience and storage. Alta Mesa Resort Village offers a heated community pool and spa, fitness facility, and community gathering space, all within a gated setting. Shopping, restaurants, everyday services, and golf are conveniently nearby. Whether you're looking for a full-time home or an easy lock-and-leave Arizona retreat, this property offers a combination that's difficult to duplicate: three bedrooms, beautiful condition, low-maintenance living, and golf-course and water views you'll appreciate every day. The location adds another dimension to the easy Arizona lifestyle, with restaurants, shopping, grocery stores and medical services nearby, along with convenient access to the Loop 202 Red Mountain Freeway. Northeast Mesa is also home to a significant aviation and employment corridor that includes Boeing, MD Helicopters and Falcon Field Airport. When it's time to get outdoors, Red Mountain, Usery Mountain Regional Park, the Tonto National Forest, Salt River and Saguaro Lake are all within easy reach, offering hiking, biking, boating, kayaking, fishing and countless ways to enjoy the Sonoran Desert.

5450 E Mclellan Road Unit 250, Mesa
$284,900
2 Beds ⋅ 2 Baths ⋅ 7073875 MLS ⋅ 975 SqFt.
Lake Community Living! Vaulted Ceilings + Resort Amenities. Welcome to this charming 2-bedroom townhome in highly sought-after Beach Club Village at Val Vista Lakes! Step inside to bright, open living spaces featuring soaring vaulted ceilings, wood-look flooring, abundant natural light, and a neutral palette that creates a warm, inviting feel. The well-appointed kitchen offers oak cabinetry, a spacious peninsula, and plenty of prep space--perfect for everyday living or entertaining. The primary suite includes a walk-in closet and dual sinks for added comfort. Enjoy your morning coffee or unwind on the private patio. Residents enjoy resort-style amenities including a pool, spa, lake access, tennis courts, and more. Conveniently located near shopping, dining, and freeway access.

1633 E Lakeside Drive Unit 66, Gilbert
$312,000
2 Beds ⋅ 2 Baths ⋅ 7073793 MLS ⋅ 1,064 SqFt.
Great location!! Welcome to this inviting 2-bedroom, 2-bath townhome in desirable Sunland Springs Village. The bright, open floor plan features high ceilings and sought-after tile flooring throughout--no carpet! Updates include new vinyl windows throughout and an updated master bath stall. The kitchen offers Corian countertops, ample cabinetry and stainless steel appliances. Washer and dryer are included, the A/C is regularly maintained, and the water heater was replaced in 2021. Enjoy a covered patio overlooking the beautiful greenbelt with no neighbors behind, offering a peaceful, private setting to enjoy the Arizona outdoors.

10960 E Monte Avenue Unit 174, Mesa
$255,000
2 Beds ⋅ 2 Baths ⋅ 7073496 MLS ⋅ 813 SqFt.
Welcome to this exquisite, fully updated 2-bedroom, 2-bathroom single-story townhome nestled in the heart of Gilbert, just around the corner from bustling downtown. Step inside to a generous, sunlit living area framed by large windows that flood the home with natural light. The sleek kitchen features elegant quartz countertops, stainless steel appliances, ample storage, and a convenient breakfast bar ideal for meal prep and entertaining. Enjoy seamless indoor-outdoor living on the covered, screened-in patio, leading to a private fenced backyard complete with an exterior storage closet. Major upgrades offer total peace of mind, including a Trane AC unit replaced in 2021 and a new water heater installed in 2023. Perfect for effortless, comfortable living!

425 E Cullumber Avenue Unit C, Gilbert
$220,000
2 Beds ⋅ 2 Baths ⋅ 7073432 MLS ⋅ 920 SqFt.
Fall in love with this charming condo in the 55+ Red Mountain Villas Community, featuring 2 beds, 2 baths, and a 1-car garage w/built-in cabinetry. The interior boasts abundant natural light, wood-look floors through-out, open concept living area that flows seamlessly into the eat-in kitchen. The kitchen is equipped with recessed lighting, ample wood cabinetry & counterspace, and built-in appliances. The primary suite includes a private bath with a walk-in tub for added convenience. The secondary bedroom features carpet and a separate exit to the back. A covered patio provides the perfect spot for relaxing or entertaining. Enjoy community amenities including a pool & spa and ramadas with BBQ grills, plus convenient access to golf, shopping, and dining. Move-in ready!

1951 N 64th Street Unit 65, Mesa
$279,000
2 Beds ⋅ 2 Baths ⋅ 7073185 MLS ⋅ 1,119 SqFt.
Turnkey, completely remodeled, and ready to move in! This 2-bedroom Tempe townhome combines modern style with an unbeatable location--and features a brand-new A/C unit for added peace of mind. Just minutes from Arizona State University, Phoenix Sky Harbor International Airport, and Tempe's renowned dining, shopping, entertainment, and nightlife, this home offers the perfect blend of convenience, comfort, and investment potential.

3847 S Mill Avenue, Tempe
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