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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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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

$280,000
2 Beds ⋅ 2 Baths ⋅ 7069391 MLS ⋅ 831 SqFt.
Ready to love where you live? This move-in-ready dual-suite condo checks all the boxes! Enjoy wood-look tile, plush carpet, neutral paint & modern fixtures throughout. The refreshed kitchen shines with new white shaker cabinetry, quartz counters & stainless-steel appliances. Both bathrooms feature new vanities & toilets for a fresh, modern feel. Relax poolside or unwind in the community spa, with water, sewer, trash & exterior maintenance covered by the HOA. Plus, a 1-car carport and a prime location just minutes from Downtown Chandler make this one a must-see!

25 N Cottonwood Street Unit 63, Chandler
$420,000
2 Beds ⋅ 3 Baths ⋅ 7069302 MLS ⋅ 1,476 SqFt.
Welcome to The Lakes at Annecy, a gated lake community offering resort-style living just minutes from every day conveniences. Built in 2021 and beautifully maintained over the years, this 2-bedroom, 2.5 bathroom townhouse blends modern design with easy, everyday comfort across three thoughtfully laid-out levels. Recent updates, including a water softener (2023), add to the ease of everyday living. The first level welcomes you home with a private front patio and access to the 2-car tandem garage, complete with epoxy flooring. Upstairs on the second level, an open living space is anchored by a modern kitchen featuring white shaker cabinetry, stainless steel appliances, a breakfast bar, a spacious island, and a gorgeous tile backsplash, plus a balcony for a breath of fresh air. The third level is home to the primary bedroom and guest suite/home office, each offering their own private retreat. The primary suite features an en-suite bathroom with dual vanities, a newly updated tile shower (January 2026), and a spacious closet, while the guest suite, complete with its own en-suite bathroom, flexes beautifully as a home office, guest quarters, or bonus space. Third-level laundry adds everyday convenience. Beyond your home, this gated community offers a sparkling pool and spa, biking and walking paths, and a children's playground, all set within a picturesque lake community. Conveniently located near shopping, dining, and medical offices, with quick access to Loop 202 south for an easy commute to the rest of the Valley!

1676 E Hampton Lane, Gilbert
$490,000
3 Beds ⋅ 2 Baths ⋅ 7069295 MLS ⋅ 1,611 SqFt.
Step into easy, elevated living at Mosaic at Layton Lakes. This GATED 3-bedroom, 2-bath residence offers a 2-car garage, a beautifully finished interior, and an ideal Gilbert location. The two-story layout is designed with both comfort and entertaining in mind, featuring an open main living area, stylish finishes, and abundant natural flow throughout. At the heart of the home, the kitchen combines function and style with quartz countertops, 42-inch cabinetry, stainless steel appliances, a large center island, and plenty of storage. The luxury vinyl plank flooring gives the home a fresh, modern feel. Upstairs, the spacious primary retreat includes a walk-in closet, dual vanities, and a walk-in shower. Life here is designed to be convenient. The HOA includes water, gas, and trash, while the community offers an impressive lineup of amenities including a resort-style pool and spa, splash pads, playgrounds, tennis courts, and miles of walking and biking paths. Layton Lakes also provides an abundance of green space, neighborhood parks, lakes, trails, basketball court, sand volleyball, baseball field, and other recreational areas to enjoy. With shopping, restaurants, entertainment, and top-rated schools close by, the location is hard to beat. Carefully maintained and truly move-in ready, this home offers a low-maintenance lifestyle with the polished look of a newer property. Whether you're looking for your first home, a lock-and-leave property, or a smart investment, this one deserves a closer look.

733 E Lark Street Unit 202, Gilbert
$435,000
2 Beds ⋅ 2 Baths ⋅ 7069236 MLS ⋅ 1,633 SqFt.
Welcome to this impeccably maintained, upgraded villa located in the highly desirable, gated golf community of Tuscany Villas at Painted Mountain Golf Resort. Villa is an end unit featuring an oversized, south-facing backyard & a private, gated courtyard entry. Inside, an open floor plan awaits, showcasing a gourmet kitchen with granite countertops, a generous island, modern chalk appliances & custom cabinetry with pull-out drawers. Both an informal dining area & a formal dining room provide versatile spaces for hosting. The spacious great room, accented by large windows and elegant tile flooring, offers abundant natural light. The master retreat boasts a walk-in closet, a luxurious soaking tub, and a walk-in shower, while the second bedroom is private with full bathroom. This home features its own private driveway and an extended two-car garage complete with built-in cabinetry for added storage. The backyard is beautifully landscaped, offering a peaceful setting for relaxation or entertaining. Enjoy added comfort with an electric retractable awning for sun protection and an extended patio perfect for outdoor living. The HOA provides additional amenities for a worry-free lifestyle.Tuscany Villas offers residents exclusive access to a luxurious clubhouse and a variety of exceptional amenities designed for leisure and recreation. Enjoy refreshing dips in the pools, unwind at the spa, or maintain an active lifestyle in the state-of-the-art fitness center. Engage in friendly competition on the pickleball courts or challenge friends to a game of pool. The community also features beautifully landscaped parks and playgrounds, inviting gathering spaces, and scenic walking paths, ensuring a vibrant and active lifestyle for all residents.

6202 E Mckellips Road Unit 189, Mesa
$355,000
3 Beds ⋅ 3 Baths ⋅ 7069181 MLS ⋅ 1,535 SqFt.
Welcome to Breckenridge, one of Gilbert's most charming and well maintained communities nestled just minutes from the heart of a rapidly growing downtown. This beautifully updated 1,535 square feet corner unit home with 3 bedrooms and 3 bathrooms blends modern upgrades with timeless character, creating a warm and inviting space that feels both fresh and classic. Featuring vaulted ceilings, brand new appliances, and thoughtful renovations throughout, this home is truly move-in ready for its next owners while still preserving a timeless charm that makes it so special. With downtown Gilbert continuing to thrive with new restaurants, shops, and entertainment, the location could not be more ideal. Come and see it for yourself!

170 E Guadalupe Road Unit 136, Gilbert
$300,000
2 Beds ⋅ 3 Baths ⋅ 7069167 MLS ⋅ 1,072 SqFt.
Just minutes from Arizona State University, this 2-story condo offers the perfect combination of location and lifestyle. Freshly painted throughout with newer flooring for a clean, updated feel. Featuring dual master suites, this two-level layout offers great separation of space. Bathrooms feature resurfaced showers, new toilets, and updated fixtures, plus new ceiling fans throughout. A real wood-burning fireplace is a rare and sought-after feature. Step outside to a private front patio, or head upstairs to a private balcony off the bedrooms. This property works equally well as an investment, a first home, or an owner-occupant opportunity.

1245 W 1st Street Unit 116, Tempe
$415,000
4 Beds ⋅ 3 Baths ⋅ 7069109 MLS ⋅ 1,960 SqFt.
* FREE HOME WARRANTY *! LOCATION- LOCATION- LOCATION! Rare unit available, This is the biggest floorplan in this community, and the VERY private location in the community. This has it all! Elegant HardWood floors 2025, Fresh paint 2025, NEW AC 2023 and all Stainless Steelappliances stay! This lay out is perfect for ''roommate'' set up, or Multi-generational living with MasterBedroom and full bath on 1st floor, then 1 bed and bath on 2nd, and 2 beds and baths on 3rd floor! There is something for everyone! WAIT TILL YOU SEE THE VIEW! The private patio and balcony are fully shaded, overlooking gorgeous cool green grassy area. Perfct for little ''fur babies'' or kiddos. (see more tab) The oversized 2 car garage out back has a newer opener motor and professionally epoxied floor. WAIT TILL YOU SEE THE POOL AREAS! Fully gated community, excellent management, and upscale living make this the PERFECT CHOICE for you! FOR THE BUYER- $8K FOR CONCESSIONS, AND FREE HOME WARRANTY !!! HURRY!

900 S 94th Street Unit 1203, Chandler
$369,000
2 Beds ⋅ 3 Baths ⋅ 7069061 MLS ⋅ 1,897 SqFt.
Discover this charming corner waterfront townhome in the gated Lake Park Villas Community! Featuring 2 beds, 3 baths, and a 1-car garage. The interior boasts abundant natural light, a neutral palette, plush carpet & wood laminate floors throughout. Upstairs, the living room flows seamlessly into the eat-in kitchen. The kitchen offers ample white cabinetry, SS appliances, a breakfast bar, and sliding glass doors to the view balcony. A versatile bonus room in the basement can be a guest room or flex space. The primary bedroom includes an ensuite and large walk-in closet. The second bedroom is also ensuite. Ideally positioned with lake and Dobson Ranch Golf Course views! Enjoy community amenities with a heated pool, clubhouse, and access to all Dobson Ranch parks & recreation. Move-in ready

2524 S El Paradiso -- Unit 90, Mesa
$295,500
3 Beds ⋅ 2 Baths ⋅ 7068994 MLS ⋅ 1,408 SqFt.
Clean 3-bedroom home! Featuring a brand-new roof (2026), Fresh interior paint, new carpet in bedrooms, updated stainless appliances. Tile Floors in all living areas. Large master bedroom, oversized secondary bedrooms. LED can lights in living room. New Kitchen Faucet, Cooktop and Countertops. Conveniently located near Grade School, Kiwanis Park, Grocery Shopping, Sky Harbor Airport, ASU and Loop 101, Loop 202, and US-60.

10 E Hermosa Drive, Tempe
$265,000
2 Beds ⋅ 3 Baths ⋅ 7068991 MLS ⋅ 1,317 SqFt.
Enjoy peaceful lake views in this charming townhome retreat! This inviting two-story, 2-bedroom, 2.5-bath home is nestled in a lively lake community and features beautiful water views from not one, but two patios--including a private deck just off the upstairs primary suite. Inside, you'll find a welcoming interior with a thoughtfully designed layout that feels both open and comfortable. The kitchen is equipped with fridge, stove and dishwasher, along with a spacious pantry, and the generous upstairs primary bedroom offers a large walk-in closet along with its own private ensuite bath. Step outside to the lakeside patio--an ideal spot for relaxing evenings or entertaining guests while enjoying the view. There's also a hard to find attached one car garage.

2208 W Lindner Avenue Unit 40, Mesa
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