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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

$328,000
2 Beds ⋅ 2 Baths ⋅ 7031800 MLS ⋅ 1,188 SqFt.
Incredibly rare opportunity for buyers -- this home offers an FHA assumable loan at an amazing 2.875% interest rate (buyer qualification required), creating potential for significant monthly savings compared to today's rates. Seller Financing may also be available! Welcome to this beautifully maintained 2-bedroom, 2-bath tri-level home with attached 2 car tandem garage, with a layout that offers privacy, functionality and comfortable living. Loft can be converted to a 3rd bedroom/ flex room. Perfectly situated in a highly desirable community that offer 3 community pools and parks, located just off the 202 freeway for unbeatable convenience! Located just minutes from the thriving Epicenter, featuring exciting new restaurants, shopping, and entertainment, plus close proximity to SanTan Village and Mesa-Gateway Airport, this location truly has it all! Whether commuting, dining out, or enjoying nearby amenities, you'll love being in the center of it all. Don't miss your chance to own a home in a prime location with convenience, lifestyle, and value all in one!

1339 S Owl Drive, Gilbert
$479,000
3 Beds ⋅ 3 Baths ⋅ 7031777 MLS ⋅ 2,092 SqFt.
Welcome to this beautifully upgraded 2020-built home offering 3 bedrooms, 2.5 baths, 2,092 SqFt, a spacious upstairs loft, and an extended garage with a Tesla EV charger. Designed with both style and function in mind, the open-concept floor plan is filled with natural light and features premium upgrades including luxurious wood-plank tile flooring, premium carpet, upgraded Rockport interior doors with satin nickel Halifax lever hardware throughout, an upgraded Mission-style staircase railing, and remote-controlled ceiling fans throughout. The chef's kitchen is the centerpiece of the home, featuring a large island with breakfast bar seating and three designer pendant lights, quartz countertops in a crisp Oceana finish, a full-height quartz backsplash, stylish 42'' upper cabinetry in a painted Salerno Birch finish, an upgraded undermount sink and brushed nickel faucet, and stainless steel appliances. The thoughtfully selected finishes create a luxurious yet warm feel throughout the main living spaces. Upstairs, the flexible loft is ideal for a home office, media room, or play area. The private owner's suite includes dual vanities, a soaking tub, upgraded bath fixtures, a private water closet, and a generous walk-in closet, while two additional bedrooms and an upstairs laundry room complete the layout. Upgraded carpet adds comfort and sophistication throughout the upper level. Enjoy outdoor living in the low-maintenance backyard with a covered patio, artificial turf, and open views behind the property for added privacy. Additional highlights include a water softener, RO system, extended driveway, and energy-efficient features including dual-pane Low-E windows, dual-zone HVAC, Ecobee5 smart thermostat, and enhanced insulation. Ideally located between Chandler and Gilbert, you're just minutes from the Paseo Trail, the 202 Freeway, SanTan Village, Crossroads Towne Center, Downtown Chandler, and Old Town Gilbert for shopping and dining. This community also features a pickleball court--an added bonus for those who enjoy this fast-growing sport. The area is also served by highly acclaimed schools, adding to the appeal of this exceptional location. Homes with this combination of upgrades, location, thoughtful design, and access to top-rated schools are hard to find.

905 S Canal Drive Unit 14, Chandler
$299,000
2 Beds ⋅ 2 Baths ⋅ 7031621 MLS ⋅ 984 SqFt.
So close to ASU campus and Downtown Tempe this condo is perfect for Students, TA's, Teachers, ASU employees, etc. Single level and Move-In-Ready. A great opportunity for primary residence or investment. Easy access to Major freeways. Upgraded flooring throughout, AC replaced in 2016, Water heater replaced 2026, Granite counter tops. Community pool is close to the unit, fully furnished if you want the furniture. Don't miss out on this great opportunity!

1245 W 1st Street Unit 125, Tempe
$269,000
2 Beds ⋅ 1 Baths ⋅ 7031616 MLS ⋅ 864 SqFt.
Beautifully remodeled and move-in ready, this stylish 2-bedroom, 1-bath townhouse offers the perfect blend of modern design and unbeatable Tempe convenience. The bright open-concept floorplan features spacious living and dining areas that seamlessly connect to the updated kitchen, complete with quartz countertops, stainless steel appliances, and contemporary finishes throughout. Rich wood flooring, updated lighting, and neutral tones create an inviting, modern feel from the moment you walk in. Enjoy a private patio with additional storage and in-unit laundry, plus access to the community pool for relaxing Arizona days. Ideally located near ASU, shopping, dining, entertainment, and easy freeway access, this turnkey property is ready to go. Don't miss out!

925 S Acapulco Lane Unit C, Tempe
$315,000
2 Beds ⋅ 2 Baths ⋅ 7031234 MLS ⋅ 1,299 SqFt.
Welcome to this beautifully updated second floor condo located in the highly desirable gated community of Superstition Springs. Enjoy scenic water views right from your home while taking advantage of the added privacy that comes with an upstairs unit. This move in ready property features brand new carpet, fresh interior paint, and a completely updated bathroom creating a clean and modern feel throughout. The functional floor plan offers comfortable living spaces filled with natural light, all conveniently located near shopping, dining, golf, and easy freeway access. A perfect opportunity for a primary residence, seasonal getaway, or investment property in one of Mesa's most convenient locations.

6535 E Superstition Springs Boulevard Unit 257, Mesa
$419,000
4 Beds ⋅ 3 Baths ⋅ 7030807 MLS ⋅ 1,701 SqFt.
Beautifully maintained by the original owner and never used as a rental! This premium floorplan includes a full bedroom/office on the first floor, perfect for guests, multi-generational living, or working from home. Fresh new interior paint, brand new stainless steel microwave and range. Enjoy high ceilings extending from the second to third floor, creating an open and bright atmosphere throughout. The spacious third floor offers a large loft with endless possibilities for entertainment, game room, or additional living space. Conveniently located just minutes from Chandler Fashion Center, wholesale stores, grocery shopping, dining, and easy access to Loop 101 and Loop 202 freeways. A rare opportunity to own a spacious and well-cared-for home in an excellent location!

900 S 94th Street Unit 1188, Chandler
$275,000
3 Beds ⋅ 2 Baths ⋅ 7030094 MLS ⋅ 1,118 SqFt.
MOTIVATED SELLER! JUST REDUCED! Beautifully updated 3-bedroom townhome featuring a highly desirable floorplan with one bedroom conveniently located on the main level complete with its own en suite bathroom -- perfect for guests, multigenerational living, or a private office setup. The stylish kitchen has been thoughtfully updated with sleek quartz countertops, white cabinetry, and modern floating shelves, creating a bright and inviting space that flows seamlessly into the main living areas. Cozy up by the fireplace in the living room, while upstairs the spacious primary suite also features its own fireplace for an added touch of warmth and charm. Additional highlights include in-unit laundry, a private and cozy enclosed patio perfect for relaxing and a dedicated 1-car carport

510 N Alma School Road Unit 210, Mesa
$440,000
2 Beds ⋅ 2 Baths ⋅ 7029690 MLS ⋅ 1,538 SqFt.
Experience resort-style living in the highly sought-after community of Encanterra Golf & Country Club. This beautifully designed Resort Collection Evia model offers the perfect blend of efficiency, comfort, and low-maintenance lock-and-leave living. Featuring 2 bedrooms plus a flexible den space, this thoughtfully designed floorplan lives larger than its footprint with open-concept living and smart use of space throughout. Encanterra residents enjoy a true resort experience with world-class amenities including championship golf, resort pools, fitness center, pickleball, member clubs, events and concerts. On site private dining at Palma Tap and Kitchen. This community offers a lifestyle unmatched in the southeast valley.

292 E Las Puertas Lane, Queen Creek
$289,900
3 Beds ⋅ 2 Baths ⋅ 7029422 MLS ⋅ 1,081 SqFt.
***Motivated Seller*** Back on market***Buyer couldn't perform**Beautiful 3 bedroom 2 full bath Condo in Tempe right next to ASU Campus! Freshly Painted, New Flooring, Community Pool, Raised panel cabinets and a breakfast bar. Walk to Resturants ,close to shopping shops on Mill Ave. This is one of a kind floor plan on the 2nd floor with balcony.

510 W University Drive Unit 208, Tempe
$329,900
3 Beds ⋅ 2 Baths ⋅ 7028802 MLS ⋅ 1,571 SqFt.
Welcome to resort-style living in the prestigious gated community of Province -- an exclusive active adult neighborhood offering 24-hour guarded security, incredible amenities, and a vibrant lifestyle. This absolutely stunning 1,500+ square foot home combines comfort, elegance, and low-maintenance living in one beautifully designed package. Inside, you'll find soaring 9-foot ceilings, three spacious bedrooms, and two full bathrooms thoughtfully laid out for both everyday comfort and entertaining. Tasteful ceramic tile and luxury vinyl flooring throughout provide beauty and easy maintenance. The spacious primary suite is a peaceful retreat featuring a charming bay window overlooking the private backyard, while the en suite bathroom offers dual sinks, a spacious shower, and an oversized walk-in closet. The heart of the home is the expansive family room, kitchen, and dining area -- ideal for relaxing evenings or hosting family and friends. A cozy gas fireplace adds warmth and ambiance during Arizona's cooler months. The beautifully upgraded kitchen features rich cherry wood cabinetry with pull-out drawers in all lower cabinets, abundant granite countertop space, and plenty of room for cooking and entertaining. The dining area easily accommodates a large table and offers lovely views of the patio and backyard oasis. The two-car garage, conveniently accessed through the laundry room, includes extensive built-in cabinetry and attractive epoxy flooring for a clean, organized appearance. Step outside to your private patio and lush backyard retreat where colorful landscaping creates a serene desert oasis perfect for relaxing mornings or evening gatherings. Additional upgrades including sunscreens, whole-house water filtration, and a reverse osmosis system enhance the efficiency and comfort of this exceptional home. Living in Province means enjoying world-class amenities designed for an active and social lifestyle. Residents have access to media rooms, game rooms, a library, pickleball and tennis courts, indoor and outdoor pools, a heated spa, fitness center, and countless community activities that make it easy to connect with neighbors and stay active year-round. Even better, the HOA assessment includes roof maintenance, exterior home maintenance, and front yard landscaping -- giving you more time to enjoy everything this incredible community has to offer. This is more than just a home -- it's the lifestyle you've been waiting for.

41975 W Ellington Lane, Maricopa
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