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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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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

$365,000
3 Beds ⋅ 2 Baths ⋅ 7075518 MLS ⋅ 1,312 SqFt.
Welcome to this beautifully maintained Mesa townhome offering an ideal combination of comfort, convenience, and investment potential. The thoughtfully designed floor plan features the primary suite and laundry conveniently located on the main level, while the spacious living areas provide plenty of room for everyday living and entertaining. Tile flooring throughout much of the home creates a clean, low-maintenance feel, complemented by granite countertops in both the kitchen and bathrooms. Enjoy the benefits of a well-appointed community with access to a refreshing pool and recreation center. Ideally situated near Eastmark, one of Mesa's highly desirable master-planned communities, you'll be close to parks, dining, shopping, entertainment, and an expanding selection of local businesses.

4638 S Jetty --, Mesa
$310,000
3 Beds ⋅ 2 Baths ⋅ 7075504 MLS ⋅ 1,132 SqFt.
Move-in ready 3-bedroom, 2-bath single-level townhome in University Shadows with thoughtful updates throughout. This 1,132 sq ft home features a bright, open living and dining area with vaulted ceilings, exposed beams, four skylights, tile flooring, and multiple sliding doors that bring in great natural light. The kitchen has updated cabinetry and countertops, and both bathrooms were remodeled by Jacuzzi, including a walk-in shower in the primary bath and tub/shower in the secondary bath. Additional improvements include a new HVAC system in 2023, luxury vinyl flooring in two bedrooms, a newer dishwasher, two new windows, and three new sliding glass doors installed in 2026. Enjoy two private patio areas, a separate bedroom exit, and assigned covered parking. The home is conveniently located near the community pool, spa, tennis courts, clubhouse, and walking/biking paths. A new roof and skylights for Building 19 are scheduled for September 2026, with exterior building painting planned for fall 2026. The HOA includes roof repair and replacement, sewer, garbage collection, blanket insurance, and common-area maintenance. Great Tempe location near Downtown Tempe, Tempe Marketplace, Sloan Park, shopping, dining, and entertainment.

2509 E 5th Place, Tempe
$479,000
3 Beds ⋅ 3 Baths ⋅ 7075389 MLS ⋅ 1,921 SqFt.
Beautiful Corner-Unit Townhome in Prime Gilbert Location! Enjoy resort-style community amenities including, gated community, three community pools and spas, lakes with waling paths. Conveniently located near SanTan Village, shopping, entertainment, dining including North Italia, Flower Child, and The Backyard. This spacious and well-appointed home offers the added privacy of only one shared wall, a 2-car garage, abundant natural light, a warm neutral color palette, and modern finishes throughout. The main level features tile flooring throughout and a beautifully designed kitchen with white cabinetry, crown molding, granite countertops, pendant lighting, stainless steel appliances, and a spacious walk-in pantry. A convenient half bath completes the downstairs living area. Upstairs, the generous primary suite features a large walk-in closet and ensuite bath with dual sinks and a glass-enclosed shower. The loft has been thoughtfully converted into a private office or flex space with French doors. A great opportunity to enjoy the comfort and convenience of Gilbert living in a desirable location.

1825 E Hampton Lane Unit 111, Gilbert
$485,000
3 Beds ⋅ 3 Baths ⋅ 7075319 MLS ⋅ 1,586 SqFt.
Waterfront townhome in the highly sought-after gated community of Echelon at Ocotillo! Built in 2022 & ideally located within the community, this home offers 3 bedrooms plus a loft, 2.5 baths & an open-concept floor plan. Gourmet kitchen features stainless steel appliances, gas range, quartz countertops, walk-in pantry & large island/breakfast bar. Enjoy a private courtyard with water views, 2-car garage plus driveway parking, new water softener & new Ring doorbell. Echelon Resort-style amenities include heated pool & spa, picnic area with ramada & grills. Access to Ocotillo community amenities...tennis courts and pickleball. Walking gate access to 90-acre Snedigar Sportsplex with baseball/softball/soccer fields, playgrounds, dog park and picnic pavilions.

4077 S Sabrina Drive Unit 12, Chandler
$334,900
2 Beds ⋅ 2 Baths ⋅ 7075274 MLS ⋅ 1,258 SqFt.
This property is eligible under the Freddie Mac First Look Initiative through 10.03.2026. During the First Look period, only offers from owner-occupant buyers, approved nonprofit organizations, and public entities will be considered. Investor offers will be considered after the First Look period expires.

440 S Val Vista Drive Unit 80, Mesa
$299,900
2 Beds ⋅ 2 Baths ⋅ 7075150 MLS ⋅ 1,093 SqFt.
Enjoy the best of Tempe living from a peaceful, tree-lined community that keeps you close to the action without feeling right in the middle of it. With quick access to major freeways, shopping, dining, ASU, Tempe Town Lake, Mill Avenue, Kiwanis Park, Arizona Mills, LEGOLAND Discovery Center, and SEA LIFE Arizona Aquarium, this location makes it easy to get around and enjoy everything the city has to offer. Local favorites such as Aunt Chilada's and Rustler's Rooste are nearby, along with plenty of everyday restaurants, coffee shops, and shopping along the Baseline corridor. Inside, vaulted ceilings and abundant natural light create an open, comfortable feel, while the living room is anchored by a cozy fireplace and flows easily into the dining and kitchen areas. Tile flooring throughout the main living spaces adds to the easy-care lifestyle. The kitchen was beautifully updated in January 2024 and is one of the highlights of the home. Light stone-look countertops with subtle gray detailing provide a clean, updated finish and extend into a breakfast bar with additional counter seating. Warm cream cabinetry is accented by distinctive custom carved walnut hardware, while a deep undermount stainless-steel sink, modern high-arc faucet, newer appliances, and dedicated task lighting complete the space. A warm wood accent wall and open display shelving add character and create an inviting transition between the kitchen and dining area. The spacious primary suite provides plenty of room to unwind and offers direct access to one of the home's private outdoor areas. In total, three private patios give you multiple spaces for morning coffee, outdoor dining, plants, or simply relaxing in the shade. The community offers a sparkling pool and spa without the maintenance of having one yourself, along with mature landscaping and an HOA that includes water and exterior maintenance. A brand-new roof adds additional peace of mind. With an attached garage, updated kitchen, vaulted ceilings, fireplace, three private patios, community pool and spa, and a central Tempe location close to shopping, restaurants, recreation, and major freeways, this home offers an easy Arizona lifestyle in a location that's hard to beat.

1222 W Baseline Road Unit 153, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7075107 MLS ⋅ 1,049 SqFt.
Park like setting for this 2-bedroom, 2-bathroom home that is ready for its next chapter. The open floor plan and vaulted ceilings provide a spacious feel, while the large kitchen offers plenty of room to cook and chat with guests in the living room. This home offers the perfect opportunity to add your own personal updates. Plus, you will love the active 55+ neighborhood amenities, including the heated pool and clubhouse.

542 S Higley Road Unit 30, Mesa
$430,000
3 Beds ⋅ 3 Baths ⋅ 7075028 MLS ⋅ 2,180 SqFt.
LOWEST PRICE PER SQFT IN ENCANTERRA! The moment you enter the prestigious Encanterra community, you'll feel right at home. This stunning residence features 3 BD 3 full BA, The primary suite and an additional bd are conveniently located on the main level. Upstairs features additional bd, a den, and a spacious loft, making it the perfect setup for out-of-state guests and visiting family. The kitchen is a true chef's dream, high-end granite countertops, upgraded backsplash, stainless steel appliances, gas cooktop, and a large center island perfect for everyday living and entertaining. The open-concept design flows seamlessly into the great room, creating an ideal space for gatherings. Step outside to a charming patio with a cozy fire pit, The exterior painted in Fall 2025. Be impressed!

756 E Verde Boulevard, Queen Creek
$455,000
3 Beds ⋅ 3 Baths ⋅ 7074914 MLS ⋅ 1,701 SqFt.
Modern newly built 3-bedroom, 3-bath townhome in Gilbert, Arizona, located in the gated Mosaic at Layton Lakes community. This upgraded two-story home features an open-concept great room, spacious kitchen with granite countertops, ample cabinetry and generous prep space, tile flooring throughout the main living areas, comfortable carpeted bedrooms and a private balcony. The attached two-car garage provides parking and storage. Mosaic at Layton Lakes features just 87 townhomes with resort-style amenities including a community pool and spa, clubhouse, playground, BBQ grills and walking paths. Enjoy low-maintenance living within the desirable Layton Lakes master-planned community near Gilbert shopping, dining, parks, recreation and major roadways.

746 E Doral Avenue Unit Unit 201, Gilbert
$320,000
2 Beds ⋅ 2 Baths ⋅ 7074842 MLS ⋅ 1,287 SqFt.
Introducing this charming 2-bedroom townhome now for sale in Landings Community! Inside, find a large living & dining room enhanced by a cozy fireplace, picture windows, and exposed beams on the vaulted ceilings, creating an inviting space for both everyday living and entertaining. The kitchen offers matching appliances, plenty of cabinetry, plantation shutters, recessed lighting, and a handy pantry. Discover a sizable main bedroom, featuring plush carpet, a walk-in closet, and a private bathroom with a glass block shower. As an added bonus, a washer and dryer are included. Enjoy scenic lake views from the relaxing covered patio. You'll also have access to fantastic Community amenities that add even more value and enjoyment to your lifestyle. This move-in ready gem is the one for you!

2256 W Lindner Avenue Unit 28, Mesa
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