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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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FHA Mortgage Arizona

FHA Mortgage Arizona loans are often used with down payment assistance and first time home buyer programs because they have flexible qualifying criteria and great interest rates. FHA loans are intended to help people overcome the barriers to home ownership and finance their first home. As such, they are popular with recent college graduates, newly formed households, low-to-moderate income earners, first time home buyers and those who have had past credit challenges.

These barriers include:

  • saving for a down payment,
  • new job or career
  • or past credit problems.

Perhaps you have been through a financial crisis in the past such as a bankruptcy, foreclosure or short sale. FHA mortgages can still be an option for you. As a reminder, you don’t have to be a first time home buyer to qualify for a FHA loan with down payment assistance in Arizona. Depending on your personal situation (foreclosure, short sale, etc.), the waiting period will be different. However, FHA loans are known for typically offering shorter waiting periods than traditional conventional loans.

FHA loans are advantageous for the following reasons:

  • great interest rates,
  • no income limits,
  • flexible qualifying guidelines
  • seller can pay closing costs (up to 6% of sales price)
  • gifts are allowed
  • no prepayment penalties

FHA Home Plus Program

The FHA Home Plus program is offered anywhere in Arizona other than Maricopa and Pima Counties. Many Arizona home buyers choose the FHA Home Plus Program with down payment assistance because they are typically easier to qualify for than conventional mortgages. They have many advantages that make them attractive to Arizona first time homebuyers.

Program Highlights:

  • Down payment assistance options of 3%, 4% and 5%. You can choose what is best for you based on your loan scenario.
  • Minimum FICO score is 640.
  • If using an FHA loan with Home Plus, the maximum loan amount depends on the FHA loan limits in your county.
  • Maximum income of $105,291
  • Maximum debt-to-income of 50%

FHA Home In 5 Program

You should consider the FHA Home In 5 program if you are buying a house in Maricopa County and you need help with your down payment and closing costs. This program has been very popular for the past few years because it is a great down payment assistance program.

Program Highlights:

  • Assistance for down payment and/or closing costs up to 5% of the mortgage balance. 6% for qualified Veterans, active duty Military, active Reservists and active National Guard.
  • The assistance money is actually available. Many down payment assistance programs run out of funds within a short period of time.
  • True down payment assistance money… no strings attached. Many down payment programs come in the form of a 2nd mortgage that is paid back over time or when you sell your home. Many prevent you from refinancing.
  • You do not have to be a first time home buyer.

How to Qualify:

  • Buy a house anywhere in Maricopa County, including in the City of Phoenix.
  • New or existing single family homes, 2 to 4 unit homes, condos, town homes, and manufactured homes.
  • Minimum FICO score is 640.
  • Income from all borrowers may not exceed $105,000.
  • Qualify for an Arizona FHA loan with a maximum debt-to-income ratio of 50%.
  • Take an easy online homebuyer education course.

FHA Mortgage Pima Tucson Homebuyer’s Solution

The Pima Tucson Homebuyer’s Solution can be used with a Arizona FHA mortgage and has benefits are similar to those offered by the programs listed above and are offered in all of Pima County including the City of Tucson.

Program Highlights:

  • Down payment assistance options available at 3%, 4% and 5%. You can choose what is best for you based on your loan scenario.
  • There is no first-time homebuyer requirement.
  • The money is available and has continuous funding.

How to Qualify:

  • Buy a house anywhere in Pima County, including in the City of Tucson up to $331,760 which is the current FHA loan limit in Pima County for a single family home.
  • Minimum FICO score is 640. Different loan and dpa amount scenarios may require a higher score.
  • Income from all borrowers may not exceed $105,291.
  • Qualify for an Arizona FHA loan with a maximum debt-to-income ratio of 50%.
  • Take an easy online homebuyer education course.

FHA Loan Limits Arizona

It is important to know the Arizona FHA loan limits because they impact a variety of down payment assistance programs offered in Arizona.

You can view the FHA limits in Arizona here.

Waiting Periods – Arizona FHA Home Loans

The following are the standard FHA waiting periods for the major derogatory credit events. Many home buyers seeking to obtain a FHA mortgage in Arizona may see or hear that there are shorter waiting periods due to the FHA Back to Work program. However, because of the restrictive circumstances needed, it is best to know the typical FHA waiting periods.

  • Arizona FHA home loan after bankruptcy: The waiting period for getting an FHA loan after a chapter 7 bankruptcy is 2 years. The waiting period for getting an FHA loan after a chapter 13 bankruptcy is 1 year.
  • Arizona FHA home loan after foreclosure: The waiting period for getting an FHA loan after a foreclosure is 3 years after the foreclosure.
  • Arizona FHA home loan after short sale: The waiting period for getting an FHA loan after a short sale is 3 years.

Do you still want to know more about FHA loans?  Find out everything you need to know about FHA loans in Arizona here.

The lenders that are authorized to offer FHA loans that accept down payment assistance in Arizona are FHA-approved lending institutions and are not acting on behalf of or at the direction of HUD/FHA or the Federal government.

 VA | USDA | CONVENTIONAL

HOMES WE CAN HELP YOU FINANCE

$275,000
2 Beds ⋅ 2 Baths ⋅ 7067425 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2341 E Mcarthur Drive, Tempe
$258,000
3 Beds ⋅ 2 Baths ⋅ 7067389 MLS ⋅ 1,118 SqFt.
Fresh, clean and truly move-in ready! Featuring new carpet, fresh interior paint, new stainless appliances and all new plumbing fixtures, this home has all the right updates already in place. The open-concept floorplan offers a true 3 bedrooms and 2 baths, with comfortable living spaces designed for everyday ease. Enjoy a private courtyard entry, covered parking and access to the community pool and hot tub. Primary bedroom features large walk in closet and vaulted ceilings. Property also features a storage room located off the private courtyard. Conveniently located near shopping, dining, parks and recreation, this is an ideal opportunity for a primary residence, seasonal getaway or lock-and-leave lifestyle.

625 S Westwood Street Unit 160, Mesa
$350,000
3 Beds ⋅ 2 Baths ⋅ 7067387 MLS ⋅ 1,450 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2343 E Mcarthur Drive, Tempe
$350,000
3 Beds ⋅ 2 Baths ⋅ 7067365 MLS ⋅ 1,450 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2339 E Mcarthur Drive, Tempe
$229,000
2 Beds ⋅ 2 Baths ⋅ 7067328 MLS ⋅ 944 SqFt.
Updated 2 Bdrm Townhome, 2 Fireplaces with Pool and Carport in Very Well-Maintained Development. Gourmet Kitchen with Granite Countertops/Bar, Stainless-Steel Appliances and Refrigerator. The Kitchen leads out to the Great Room with Vaulted Ceiling, Fireplace and New Plank Tile Floor. The Door Leads out to Private Fenced Patio for Front Door Living. The Master Bedroom has a Fireplace, Walk-In Closet with New Carpet. The Master Bath has Granit Countertops, New Sink, New Lighting and Mirrors. The Home has Inside Laundry, Large Outdoor Storage and Private Patio. New Paint, New Lighting, New Fans, and Plumbing Fixtures Throughout. Close Access to the 101 and 202 Freeways, 20 min from Airport, Close to Tempe Marketplace, Great Restaurants, Ball Parks and Old Town Scottsdale

510 N Alma School Road Unit 154, Mesa
$314,000
2 Beds ⋅ 2 Baths ⋅ 7067319 MLS ⋅ 1,128 SqFt.
Move-in ready and meticulously updated, this Questa Vista condo delivers the rare combination of modern finishes, low-maintenance living, and an unbeatable Tempe location -- all just minutes from ASU, Downtown Tempe, and Tempe Town Lake. Step inside to a fully reimagined kitchen featuring brand-new countertops, a new sink and faucet, and freshly refaced cabinetry with soft-close hinges and updated hardware throughout. Both bathrooms have been refreshed with new vanities, and the home is finished with all-new lighting -- including updated fixtures in the kitchen, bathrooms, and living room -- plus new light switches and kitchen-safe electrical outlets for true peace of mind. Comfort and efficiency were top of mind here too: a newer AC unit has cut summer utility costs nearly in half, a Nest smart controller puts climate control right at your fingertips. A newer water heater rounds out the major mechanical updates, so the big-ticket items are already done. Beyond the interior, enjoy thoughtful touches like a private balcony finished with tile flooring and greenery -- a perfect spot for morning coffee or evening downtime -- along with a new front door lock and handle set and refreshed bedroom hardware throughout. Located within the well-maintained Questa Vista community, this home offers effortless access to ASU, major employers, freeway systems, and everything Tempe's vibrant dining and entertainment scene has to offer. Whether you're a first-time buyer, an investor, or looking for a low-maintenance lock-and-leave lifestyle, this condo checks every box.

850 S River Drive Unit 2041, Tempe
$385,000
2 Beds ⋅ 3 Baths ⋅ 7067299 MLS ⋅ 1,184 SqFt.
Check out the unquestioned best value in all of Villagio. Boasting one of the few larger back yard lots, this unit is priced to sell. Check out the inviting open floor plan filled with wood-look flooring, abundant natural light. Spotless kitchen offers plenty of white cabinets adorned with crown moulding, built-in appliances, quartz counters, and a center island with a breakfast bar, perfect for casual dining or entertaining. Powder room is located on the main level for guests. Large primary bedroom provides a walk-in closet for easy organization and a private bathroom with a shower & tub combo. When it's time to unwind, relax under the covered patio, or take a refreshing dip in the Community pool.

280 S Evergreen Road Unit 1344, Tempe
$469,900
3 Beds ⋅ 3 Baths ⋅ 7067245 MLS ⋅ 1,735 SqFt.
Welcome home to your beautifully renovated townhouse tucked away in the highly desired neighborhood of Spectrum at Val Vista! Featuring 3 bed/2.5 bath + a loft upstairs & a bright open concept downstairs, perfect for entertaining. Enjoy cooking in your gorgeous new kitchen with Corian countertops & stainless-steel appliances. Relax outside this fall & winter in your private backyard while being just a five-minute drive to San Tan Mall, shopping and dining. This is a must see for anyone looking in Gilbert.

1498 E Hopkins Road, Gilbert
$255,000
2 Beds ⋅ 2 Baths ⋅ 7067238 MLS ⋅ 1,038 SqFt.
Welcome to this beautifully renovated 2-bedroom, 1.5-bath townhouse in the established Villas Mesa II community. Thoughtfully updated throughout in 2026, this 1,038 sq ft home offers a fresh, modern feel with extensive improvements, creating a truly move-in-ready home. The completely remodeled kitchen is the heart of the home, featuring stylish white shaker cabinetry and hardware, white, veiny quartz countertops with a convenient pass-through to the great room, new stainless steel GE range, range hood, refrigerator, sink with pull-down faucet, dishwasher, disposal, and updated LED lighting. Both bathrooms have been completely refreshed with stylish finishes, including a new downstairs vanity, faucet, updated plumbing, and attractive gold accents. The upstairs bath has also been updated with a brand-new vanity, hardware, toilet, faucets, and accents, along with professionally regrouted tile with durable epoxy grout and a new exhaust fan. Extensive updates continue throughout the home, including the dramatic 15-foot ceiling above the staircase, fresh interior paint, new baseboards and trim, new carpet and pad throughout the upstairs, and new tile at the stair landing. New lighting and ceiling fans add to the modern, comfortable feel, while every switch, outlet, and cover has been replaced for a clean, updated finish. Additional improvements include three new windows with matching stucco repairs, a new security door, new blinds, updated locksets, and freshly painted fencing. The property also includes two assigned parking spaces, one covered and one uncovered, for added convenience. Step outside to the private patio, offering plenty of space for outdoor seating, dining, and entertainment. Low-maintenance artificial turf creates an inviting outdoor setting, while the laundry room has been enhanced with new, spacious shelving. With extensive renovations completed by licensed contractors and documentation available, this home offers the opportunity to move in and enjoy. Conveniently located in Mesa with easy access to shopping, dining, entertainment, and major roadways, this beautifully updated townhouse combines modern style, thoughtful improvements, and comfortable living in one inviting home.

1342 W Emerald Avenue Unit 403, Mesa
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067190 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2333 E Mcarthur Drive, Tempe
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