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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

705 W Queen Creek Road Unit 1137, Chandler
$377,000
2 Beds ⋅ 2 Baths ⋅ 7093575 MLS ⋅ 1,244 SqFt.
Impeccably maintained, single-level, first-floor unit in a desirable waterfront location, with over $35k in recent upgrades.The interior features a neutral color palate and AquaProof premium waterproof flooring throughout. Enjoy added peace of mind with new appliances, new HVAC system, new water heater, a water treatment system, and numerous additional updates. A complete list of improvements is available in the documents tab. Pride of ownership is evident throughout. Guest parking is conveniently located just outside the unit. The Bridges at Ocotillo community offers resort-style amenities such as a clubhouse, heated pool and spa, and a 24/7 fitness center.

705 W Queen Creek Road Unit 1137, Chandler
955 E Knox Road Unit 149, Chandler
$393,000
3 Beds ⋅ 2 Baths ⋅ 7093571 MLS ⋅ 1,799 SqFt.
This three bedroom, two bathroom single story gated townhome sits in a small, quiet community of just 84 units in the heart of Chandler. The heated pool and spa, lush green common areas, and private gated entrance set the tone for a lifestyle that feels more like a resort than a typical townhome community. With nearly 1,800 square feet, a two car attached garage, and an HOA that handles the exterior so you do not have to, this one simply delivers. Step inside and the details speak for themselves. Crown molding, updated flooring, and a thoughtfully finished interior give the home a polished, elevated feel throughout. The kitchen is dialed in with a brand new dishwasher and a layout that flows naturally into the living space. With the entire home on one level, the floor plan is easy, accessible, and comfortable from the moment you walk in. Out back, a private courtyard patio opens directly to a lush grassy common area where you can slow down, watch the birds, and actually connect with your neighbors. It is the kind of outdoor space that makes a community feel like one. When you are ready for something more, the heated pool and spa are right there waiting. The two car attached garage adds the everyday practicality that townhome living does not always offer, and the positioning of this particular unit within the community gives it a sense of separation and privacy that makes it feel more like a standalone home than a shared building. The HOA covers exterior maintenance, common areas, and community upkeep, which means your weekends belong to you and not to a to-do list. In a city as centrally positioned as Chandler, with quick access to the 101, major employers, dining, and shopping corridors in every direction, this is a home that simply delivers on every level.

955 E Knox Road Unit 149, Chandler
5808 E Brown Road Unit 68, Mesa
$299,000
3 Beds ⋅ 3 Baths ⋅ 7093543 MLS ⋅ 1,280 SqFt.
East Mesa's Alta Mesa corridor has quietly become one of the more dependable and sought after pockets in the entire East Valley. Established infrastructure, strong school proximity, easy freeway access via the 202, and consistent demand make this corner of 85205 a place people move into and stay. For the price point, getting three bedrooms and two and a half bathrooms in this part of the Valley is genuinely difficult to replicate. This townhome has just been freshened up and is ready to go. Brand new carpet throughout, freshly painted walls, and new ceiling fans in every room mean the next owner or tenant walks into something that feels clean, updated, and cared for. The two story layout gives everyone their own space, the enclosed private patio adds outdoor living that most units at th price simply do not offer, and the half bath on the main level keeps daily life practical and comfortable. All appliances are included, and the AC unit was replaced in 2023, so the big ticket infrastructure is already handled. The Alta Mesa area draws residents who want proximity to Red Mountain High School, walkable conveniences, and a neighborhood that feels stable and lived in rather than transient. Whether you are an owner occupant looking for exceptional value in the East Valley or a buyer looking to place a tenant into a move in ready unit in a proven rental corridor, the case here is straightforward. Three bedrooms. Two and a half bathrooms. Fresh throughout. And priced in a way that makes sense the moment you walk in the door.

5808 E Brown Road Unit 68, Mesa
36042 N Desert Tea Drive, Queen Creek
$379,000
2 Beds ⋅ 2 Baths ⋅ 7093508 MLS ⋅ 1,342 SqFt.
Location...Location...Location! This furnished and highly upgraded Muros floorplan sits on a corner lot close to two clubhouses. Inside feels wonderfully private, with no neighbors in view on three sides. Upgrades everywhere: custom glass front door insert, built-in entertainment center with fireplace, remote-controlled patio sunscreen, fenced-in oversized backyard, and EV charging outlet. The timeless white kitchen features granite counters, stainless appliances, and staggered cabinets. The primary suite offers a walk-in closet and spacious bath, and the den with extra storage is perfect for an office or craft space. Unwind on the covered patio and watch the sunset over your luscious backyard. Move-in ready and furnished, so just bring your suitcase and enjoy Encanterra living right away!

36042 N Desert Tea Drive, Queen Creek
444 S Desert Palm --, Mesa
$215,000
2 Beds ⋅ 2 Baths ⋅ 7093502 MLS ⋅ 1,022 SqFt.
Financing now available for this complex. Wonderful property in the sought after community of Fountain of the Sun. Everything is within walking or short bike (or golf cart) ride from your front door. Short walk to the golf club and restaurant, activities center, pool and more. This single story (no steps) property is at the end of cul de sac for extra privacy and overlooks the golf course and driving range. 2 large bedrooms, 2 full baths, inside laundry and an open great room make this a very comfortable layout.

444 S Desert Palm --, Mesa
2625 N Recker Road Unit 1, Mesa
$399,900
2 Beds ⋅ 2 Baths ⋅ 7093332 MLS ⋅ 1,296 SqFt.
Golf Course & Lake Views | Detached Single-Level Townhome in Red Mountain! Enjoy the best of Arizona living in this freestanding, single-level 2-bedroom, 2-bathroom townhome tucked away on a cul-de-sac in the desirable Red Mountain area. This end unit backs to the golf course and lake, offering a scenic setting and an oversized driveway with a 1.5-car garage. Inside, you'll find granite countertops, updated kitchen and bathroom cabinetry, stainless steel appliances, and tile flooring throughout. An Arizona room provides additional space to relax and enjoy the surroundings. Major updates include Andersen windows and sliding glass doors installed in 2018, backed by a 25-year warranty, and a complete HVAC system installed in 2023 with a 15-year transferable parts and labor warranty. Fresh interior and exterior paint and a Level 2 EV charger add even more appeal. Enjoy the convenience of a reasonable HOA that maintains the front yard landscaping, giving you more time to enjoy the lifestyle. Ideally located near Longbow Golf Club, Red Mountain Ranch Golf Club, other area golf courses, Desert Trails Park, great restaurants, shopping, and the Red Mountain 202 with convenient eastbound and westbound on- and off-ramps. Whether you're looking for a full-time residence or a part-time Arizona getaway, this non-age-restricted community offers comfort, convenience, and a fantastic location!

2625 N Recker Road Unit 1, Mesa
679 E Myrtle Pass, Queen Creek
$365,000
2 Beds ⋅ 2 Baths ⋅ 7093169 MLS ⋅ 1,321 SqFt.
Come experience a lifestyle that feels like vacation every day. Located within Encanterra, one of the East Valley's most exceptional resort communities, this charming Aria floor plan from Shea Homes' Resort Collection offers the perfect balance of style, comfort, and effortless living. Inside, natural light fills the living spaces, with tile flooring throughout the entire home. The stylish kitchen features granite countertops, stainless steel appliances, and a spacious island perfect for casual gatherings. A thoughtfully designed split floor plan offers privacy, while a dedicated office space with built in cabinetry, a walk in closet, and convenient stacked laundry make everyday living easy. Outside, the enclosed patio is a private retreat surrounded by greenery, with a cozy firepit for cool Arizona evenings. With all landscaping maintained by the HOA, you can lock the door and leave your worries behind. Beyond your front door, Encanterra offers an extraordinary lifestyle with resort pools, championship golf, fitness facilities, dining, and a vibrant social scene. Whether you're here for the season or staying all year, this is the perfect Arizona escape.

679 E Myrtle Pass, Queen Creek
99 N Cooper Road Unit 135, Chandler
$300,000
2 Beds ⋅ 2 Baths ⋅ 7093096 MLS ⋅ 831 SqFt.
Beautifully Updated Home with Two Primary Suites! Welcome to this beautiful home featuring numerous updates and modern touches throughout! Enjoy newer doors and flooring, a newer A/C system and water heater, updated electrical and plumbing, and recessed can lighting that brightens the interior. New ceiling fans throughout the home, including outdoor fans. One of the standout features is the two spacious primary bedrooms, each with its own private bathroom, offering flexibility for multi-generational living, guests, or added privacy. With its thoughtful updates and inviting appeal, this home is a must-see!

99 N Cooper Road Unit 135, Chandler
8160 E Keats Avenue Unit 360, Mesa
$365,000
2 Beds ⋅ 2 Baths ⋅ 7093037 MLS ⋅ 1,742 SqFt.
Your dream retirement lifestyle starts here! Discover this inviting 2-bedroom, 2-bath home in Sunland Village East, a desirable 55+ golf community! Nestled on a north/south-facing lot, this spacious home features an open floor plan, beautiful Pergo flooring, and a versatile bonus room ideal for an office or den. Enjoy an oversized 2-car garage, generous storage, and fantastic curb appeal. Resort-style amenities include heated pools, spas, golf, tennis, pickleball, and social clubs!

8160 E Keats Avenue Unit 360, Mesa
633 W Southern Avenue Unit 1107, Tempe
$330,000
2 Beds ⋅ 2 Baths ⋅ 7093004 MLS ⋅ 1,202 SqFt.
This inviting townhome features soaring vaulted ceilings, a spacious loft, two generously sized bedrooms, and two full bathrooms. The split floor plan offers added privacy, with one bedroom and full bath downstairs with a large walk-in closet, and the second bedroom and bath upstairs next to a loft with natural light. Enjoy several updates, including newer stainless steel appliances, a full-size washer and dryer, and a brand-new A/C system. A great combination of space, functionality, and updates -- definitely a must-see!

633 W Southern Avenue Unit 1107, Tempe
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Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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