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Need help with ANY AZ Mortgage or Down Payment Assistance Programs in AZ?

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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AZ Conventional Loan Down Payment Assistance Program

The Arizona Conventional Home Plus home loan program is very popular because it offers assistance that can be used for down payment and/or closing costs equal to as much as 5% of the mortgage loan.

The main advantage to a conventional loan is that there is more flexibility related to mortgage insurance. Conventional loans require mortgage insurance if your down payment is less than 20%; however, you have the option of removing it in the future.

Another benefit is that mortgage insurance is typically cheaper with a conventional loan than it is with a FHA loan. So, your payments could be lower.

Arizona Conventional Home Plus Program Highlights

  • Down payment assistance options between 1% and 5%. You can choose what is best for you based on your loan scenario.
  • No first time home buyer requirement for most programs.
  • Qualified members of the U.S. military (active and Veterans) are eligible for an additional 1% of down payment assistance.
  • The money is consistently available.
  • The assistance money received is a silent second that has no interest, no payment and is forgiven monthly over the first three years of home ownership. The lien is completely forgiven after you stay in the home for three years without refinancing. The purpose of the silent second is to provide stability and ensure the ongoing success of the Home Plus Assistance Program in Arizona.

Home Plus Fannie Mae HFA Preferred Loan Program

This program is derived from the Fannie Mae HomeReady program and is one of the Arizona conventional Home Plus loan programs offered. It is offered anywhere in Arizona.

Home Plus Freddie Mac HFA Advantage Loan Program

This program is derived from the Freddie Mac Home Possible Advantage program and is the other Arizona conventional Home Plus loan programs offered. It is offered anywhere in Arizona.

Additional Program Highlights:

  • The Home Plus Fannie Mae HFA Preferred Loan Program offers down payment assistance options between 1% and 5%. You can choose what is best for you based on your loan scenario.
  • The Home Plus Freddie Mac HFA Preferred Loan Program offers down payment assistance options between 1% and 5%.
  • Minimum FICO score is 640.
  • Maximum debt-to-income of 50%
  • Maximum income of $105,291

Is the Arizona Conventional Home Plus down payment assistance program right for you? Let’s find out.

HOMES WE CAN HELP YOU FINANCE

$295,000
2 Beds ⋅ 2 Baths ⋅ 7077124 MLS ⋅ 964 SqFt.
ASSUMABLE FHA LOAN AT 2.375%! 🔥 Buyers -- don't miss this opportunity to take over a low-rate loan and potentially save hundreds each month! Welcome home to this charming 2-bedroom, 2-bathroom property in a highly desirable Mesa community! Step inside to vaulted ceilings and an abundance of natural light, creating a bright and open feel throughout. The kitchen features freshly painted white cabinetry with updated hardware, new garbage disposal, new dishwasher, all giving the space a clean, refreshed look. The spacious primary suite includes an updated walk-in shower, while a full-size laundry closet adds everyday convenience. Outside, enjoy a spacious private backyard with plenty of room to relax, entertain, or create your own outdoor retreat. Location is a major highlight--just 3 minutes from US-60 for easy access throughout the Valley and approximately 12 minutes from Downtown Gilbert where you'll find an incredible selection of restaurants, nightlife, shopping, entertainment, and community events. A fantastic opportunity for a primary residence, seasonal home, or investment property in a convenient East Valley location!

2455 E Broadway Road Unit 59, Mesa
$225,000
1 Beds ⋅ 2 Baths ⋅ 7077019 MLS ⋅ 956 SqFt.
Discover this charming condo in the highly desirable active adult community of Sunland Village East! This rare opportunity is located in the pet-friendly section and offers 1 bedroom, 2 baths, an inviting front porch, and a 1-car garage with built-in cabinets and a newer a/c! Step inside to find abundant natural light, a neutral color palette, plush carpeting, tile flooring, and a spacious living area. The eat-in kitchen features a convenient pantry, built-in appliances, and plenty of wood cabinetry and counter space. The generously sized bedroom offers a walk-in closet and a private full bath. Outside, enjoy a covered patio and separate storage room, providing the perfect combination of functionality and space for relaxing or entertaining. Sunland Village East offers an incredible resort-style living with pools and spas, golf, fitness centers, pickleball and tennis courts, and more. Conveniently located near US-60 and Loop 202, with easy access to shopping, dining, and everyday amenities.

8020 E Keats Avenue Unit 311, Mesa
$430,000
3 Beds ⋅ 3 Baths ⋅ 7077015 MLS ⋅ 1,898 SqFt.
Here's a beautiful 3 bedroom 2.5 bath home located in the super-convenient Tempe Santa Fe Townhomes community. You'll love the large open island kitchen with granite counters and stainless appliances. There's a 2 car garage, multiple patios and a private back yard, as well. This is a gated community with a community pool. Freshly painted in August of 2026, new carpet was also installed in August of 2026. We think you'll love this amazing South Tempe location, location, location. The nearby corner of McClintock and Guadalupe has just about anything you could need. You are also close to jobs, multiple freeways, golf, the Tempe canal path and so much more. Truly a great lifestyle. Take a look!

1751 E Libra Drive, Tempe
$465,000
3 Beds ⋅ 3 Baths ⋅ 7076956 MLS ⋅ 2,060 SqFt.
INCREDIBLE BUYER INCENTIVES: $7,000 MORTGAGE CONCESSION. Seller will pay up to $7,000 at closing towards your interest rate buydown if you finance with lender of sellers choice. 55+ age restricted community. 3855 S McQueen Rd Unit 3 is a two-story Chandler townhome with an open-concept main level. The kitchen centers on an island with stainless steel appliances and ample counter space for meal preparation. The adjoining living and dining area flows through a sliding door to a patio for outdoor use. Upstairs, the primary bedroom includes an ensuite bathroom with double sinks, a separate tub and shower, and a walk-in closet for organized storage. Additional bedrooms and bathrooms provide functional living space, while a loft adds a flexible upstairs area. A two-car attached garage complet

3855 S Mcqueen Road Unit 3, Chandler
$455,000
3 Beds ⋅ 3 Baths ⋅ 7076914 MLS ⋅ 2,187 SqFt.
A Fresh New Look in Cooley Station -Beautifully updated and professionally staged, this spacious 3-bedroom,3-bath townhome offers 2,187 sq. ft. of comfortable, flexible living space designed to adapt to the way you live. Fresh interior and exterior paint, new luxury vinyl plank flooring, and a light, refreshed feel throughout make this home truly move-in ready.One of the home's standout features is the additional flex room, offering valuable extra space for a home office, media room, fitness area, game room, creative space, or second living area-the possibilities can easily change along with your needs.At the heart of the home is an open and inviting kitchen featuring stainless steel appliances, abundant cabinetry, a walk-in pantry, and breakfast bar. Spacious living..see more and dining areas provide plenty of room to gather, entertain, unwind, or create multiple spaces that work for your lifestyle. All three bedrooms are privately situated together, including a generous primary suite that feels like its own retreat, complete with a walk-in closet, dual vanities, separate soaking tub and shower, and private water closet.A rare side-by-side two-car garage, water softener, and overhead garage storage add everyday convenience and functionality. Even better, the community pool is located directly across from the home, making it easy to enjoy Arizona's beautiful weather just steps from your front door. Located in desirable Cooley Station, you'll enjoy charming tree-lined streets, parks and community amenities, with shopping, dining, entertainment, and everyday conveniences just minutes away. More than move-in ready, this is a home with the space and flexibility to make it your own. Welcome Home!

905 S Osborn Lane, Gilbert
$400,000
2 Beds ⋅ 2 Baths ⋅ 7076896 MLS ⋅ 1,812 SqFt.
Welcome home to this beautifully updated 2-bed, 2-bath townhouse tucked in a sought-after gated community at the foot of the Superstition Mountains -- no age restrictions, just easy Arizona living. Step inside to newer laminate flooring and fresh interior paint throughout, creating a bright, move-in ready canvas for its next owner. The dual master suite layout is a standout feature, offering true flexibility for roommates, guests, or a home office, with custom closets adding smart storage in both suites. Wide, ADA-compliant doorways make the home comfortable and accessible for all. Outside, expansive paver patios set the stage for classic Arizona indoor-outdoor living. Location doesn't get much better: golf courses, scenic hiking trails, and the beauty of the Superstition Mountains.

8713 E Sandtrap Court, Gold Canyon
$375,000
3 Beds ⋅ 2 Baths ⋅ 7076887 MLS ⋅ 1,415 SqFt.
Tucked inside a quiet gated community, this inviting home offers a desirable split floor plan with plenty of room for everyone. The open-concept living space is centered around a cozy gas fireplace, creating the perfect setting for everyday living and entertaining. Step outside to a private backyard retreat, featuring a comfortable sitting area with plenty of space for kids and four-legged family members to play. Recent updates include a newer refrigerator, washer, dryer, dishwasher and stove, while the HVAC system and water heater have both been replaced within the past five years. Garage cabinetry provides additional storage and organization. Most furnishings may convey with the right offer. This is a home that makes it easy to settle in and make it home.

4519 W Beautiful Lane, Laveen
$345,000
2 Beds ⋅ 3 Baths ⋅ 7076881 MLS ⋅ 1,135 SqFt.
Conveniently located just 1 minute from the 60 freeway entrance, this beautifully updated and meticulously maintained 2 bedroom, 2.5 bathroom home offers a quick commute to the entire valley. You'll fall in love with this move in ready home. A few of the many highlights: a bright & open living space for relaxing or entertaining, updated flooring, an updated kitchen with granite countertops & stainless-steel appliances, a beautiful private yard and an attached garage. Upstairs, both bedrooms offer private ensuites and walk in closets. The community boasts a heated pool, walking paths, and open greenbelts.

1350 S Greenfield Road Unit 1033, Mesa
$428,900
3 Beds ⋅ 3 Baths ⋅ 7076832 MLS ⋅ 2,115 SqFt.
Tucked inside a secure, gated community just minutes from top hospitals. This remodeled 3BR/2.5BA is the largest model in the neighborhood--true lock-and-leave living snowbirds love. Playground & park out front, community pool across from your garage. Split-level layout separates the owner's suite from additional bedrooms, framing stunning mountain views. Enjoy 3 separate living areas across all three levels plus a private patio. Updated kitchen with new counters, cabinetry & walk-in pantry. Abundant storage throughout; 2-car garage with extra shelving & water softener. 2023 water heater, newer AC, new 2022 flooring. Move-in ready, low-maintenance luxury. The updated kitchen features refreshed cabinetry, upgraded counters, and a spacious walk-in pantry, with abundant storage throughout.

2821 S Skyline Drive Unit 121, Mesa
$479,900
3 Beds ⋅ 2 Baths ⋅ 7076760 MLS ⋅ 1,756 SqFt.
RARE FULTON RANCH OPPORTUNITY--FULLY FURNISHED, ATTACHED 2-CAR GARAGE & PRICED BELOW MARKET VALUE! Experience resort-style living in one of Chandler's most desirable gated communities. This move-in ready 3 bed home features a desirable split floor plan, open great room with gas fireplace, spacious kitchen with maple cabinetry, abundant counter space and breakfast bar. Major updates include a NEWER A/C (2025) and washer & dryer (2025), adding comfort and peace of mind. Relax on your private balcony overlooking the lush greenbelt or enjoy the resort-style pool & spa, scenic lakeside walking paths, outdoor ramadas with fireplaces and BBQs. Close to shopping, dining, golf and recreation. An exceptional primary home, second home, seasonal escape or lock-and-leave Arizona retreat!

4777 S Fulton Ranch Boulevard Unit 2041, Chandler
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