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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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NEIGHBORHOOD STABILIZATION PROGRAM

In the wake of the 2008 mortgage crisis, the federal government took action to help bolster the weakened economy and help fix the housing market.  This included the creation of the Neighborhood Stabilization Program.  As the name suggests, this program was formed to stabilizing areas that had suffered from foreclosures.

This program includes grant money that has been offered to states, local governments and select non-profit entities.

It was originally created in 2008 as part of the Housing and Economic Recovery Act.

It was then continued through a second round of funding provided in 2009 under the American Recovery and Reinvestment Act.

Next, additional funds were authorized under the Dodd–Frank Wall Street Reform and Consumer Protection Act in 2010.

Arizona Neighborhood Stabilization Program Information

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

4561 S Riata Street Unit 102, Gilbert
$500,000
3 Beds ⋅ 3 Baths ⋅ 7098869 MLS ⋅ 1,589 SqFt.
Discover this beautifully appointed townhome in the desirable gated community of Mosaic at Layton Lakes. Featuring 3 bedrooms, 2.5 bathrooms, and an open-concept floor plan, this townhome offers a perfect blend of modern style, comfort, and functionality. The inviting kitchen serves as the heart of the home, showcasing a spacious island, stainless steel appliances, a gas range, refrigerator, custom backsplash, designer finishes, and upgraded tile flooring. Enjoy added convenience with an upstairs laundry room complete with washer and dryer. Step outside to a finished backyard featuring low-maintenance turf and an irrigation system, along with a covered patio that creates the perfect setting for outdoor dining, relaxing, and entertaining. Residents enjoy access to all the exceptional amenities of Layton Lakes, plus the exclusive benefits of Mosaic's gated community, including a swimming pool, spa, play area, open lawn, and climbing structure. This townhome offers a wonderful combination of stylish upgrades, everyday convenience, and resort-style community living.

4561 S Riata Street Unit 102, Gilbert
2313 W Vineyard Road, Tempe
$255,000
2 Beds ⋅ 1 Baths ⋅ 7098399 MLS ⋅ 1,146 SqFt.
Updated townhouse in Tempe! This 2 bedroom, 1 Bath home is perfect for small family or student attending college. The front gated entryway leads you to the foyer with the large formal living room and kitchen with breakfast bar to the right, all with hardwood flooring! Enter into the sunken living/family room with carpet and sliding glass door that leads to the back patio. Down the hall is the full bathroom with tub/shower combo, next you will see the good size bedrooms with natural light. The low maintenance block fenced back yard offers covered patio for BBQ's and entertaining. The 2 car carport has storage shed and private residents only rear entry. As if this were not enough there is also a community pool for hot summers and family gatherings! Priced below market value for a quick sale

2313 W Vineyard Road, Tempe
744 W Harvard Drive, Tempe
$315,000
2 Beds ⋅ 2 Baths ⋅ 7098382 MLS ⋅ 1,120 SqFt.
Welcome to easy, low-maintenance living in the desirable Pepperwood community in the heart of Tempe! Tucked away on a quiet cul-de-sac with no homes directly behind, this well-maintained 2-bedroom, 2-bath townhome offers a wonderful combination of privacy, comfort and convenience. The inviting, functional layout features two skylights that fill the home with natural light, an updated primary bathroom, and a kitchen with select newer appliances. Step outside to a private backyard featuring a spacious covered patio, storage shed and low-maintenance landscaping in both the front and back, creating the perfect setting to relax and enjoy Arizona's beautiful weather without the upkeep. A private 2-car carport adds everyday convenience. Additional highlights include a roof updated in September 2026 and an HVAC system that has been serviced annually, reflecting pride of ownership and ongoing care. Enjoy nearby community amenities, including a heated pool, spa and RV/boat storage, with the pool and neighborhood school just a short distance away while maintaining comfortable separation. Ideally situated near Kiwanis Park, Arizona State University, shopping, dining and entertainment, with convenient access to US-60, Loop 101 and Loop 202 for easy travel throughout the Valley. Whether you're looking for a primary residence, seasonal retreat or investment opportunity, this Pepperwood townhome offers an appealing blend of location, privacy and easy Arizona living.

744 W Harvard Drive, Tempe
921 W University Drive Unit 1235, Mesa
$295,000
3 Beds ⋅ 2 Baths ⋅ 7098365 MLS ⋅ 1,196 SqFt.
Move in ready 3 bed- 2 bath townhome with the big updates done! Kitchen remodeled in 2020 with stainless steel appliances, newer AC, water heater, and baths lightly remodeled. Pella window in dining with transferrable lifetime warranty. Smart thermostat and switches, washer and dryer, vaulted ceilings, cozy fireplace, wood look floors, and sunny big kitchen window perfect for plants. Sliding door opens to private walled patio with newer back gate and storage room. Covered parking leads right to your front door, and the HOA covers all exterior components. Down payment assistance programs apply, make this a great fit for first time home buyers. Seller is motivated, so bring your offer!! Extra parking avail. small fee.

921 W University Drive Unit 1235, Mesa
1342 W Emerald Avenue Unit 391, Mesa
$289,900
2 Beds ⋅ 2 Baths ⋅ 7098304 MLS ⋅ 996 SqFt.
Charming Mesa single level townhome offering 2 bedrooms and 2 bathrooms. Bright and inviting living area with natural light, a functional kitchen, and a comfortable layout for everyday living. Enjoy your private courtyard/patio with a large shade tree, perfect for relaxing or enjoying Arizona evenings. Enjoy the community pool just across the parking lot from patio gate. Convenient location near Kleinman Park, Mesa Community College, shopping, dining, entertainment, and major roadways. With its central Mesa location this home is a wonderful opportunity. Come see the possibilities and make this inviting townhome your own!

1342 W Emerald Avenue Unit 391, Mesa
500 N Gila Springs Boulevard Unit 124, Chandler
$288,900
2 Beds ⋅ 2 Baths ⋅ 7097962 MLS ⋅ 920 SqFt.
Beautifully remodeled townhome in the desirable Tesuque at Gila Springs community! This inviting 2-bedroom, 1.5-bath residence offers approximately 920 square feet of thoughtfully designed living space, combining modern appeal with an excellent Chandler location. The spacious great room features soaring ceilings, abundant natural light, and a cozy fireplace, creating an open and welcoming atmosphere. The functional two-story floor plan provides comfortable living and entertaining areas downstairs, with both bedrooms conveniently located upstairs. As an end unit with no residences directly above or below, the property offers additional privacy and a distinctive townhome feel. Step outside to enjoy the covered patio with additional storage, perfect for relaxing or enjoying Arizona's beautiful weather. Assigned covered parking adds everyday convenience. Residents enjoy access to a community pool and spa, along with nearby lakes, parks, and walking paths throughout the Gila Springs area. Ideally situated near Chandler's major employment centers, including Intel, with convenient access to Loop 202, I-10, shopping, restaurants, and entertainment. This remodeled property presents an outstanding opportunity to enjoy updated living spaces, attractive community amenities, and a convenient East Valley location. Come experience everything this Chandler townhome has to offer!

500 N Gila Springs Boulevard Unit 124, Chandler
9841 E Gamma Avenue, Mesa
$349,900
3 Beds ⋅ 2 Baths ⋅ 7097929 MLS ⋅ 1,310 SqFt.
Affordable Eastmark living! End Unit Townhome built in 2022, this 3-bedroom, 2-bath townhome in Mesa offers modern living with a 2-car garage and a functional, comfortable layout. Located in the desirable Eastmark community, this home is a great opportunity for buyers looking for a newer home at an affordable price. Don't miss your chance to own a newer property in one of Mesa's popular communities!

9841 E Gamma Avenue, Mesa
539 N Lesueur --, Mesa
$289,975
3 Beds ⋅ 3 Baths ⋅ 7097416 MLS ⋅ 1,500 SqFt.
STUNNING! GORGEOUS! REMODELED! Fall in love with this beautifully remodeled 3-bedroom, 2.5-bath townhouse offering style, space, and comfort! The spacious great room features a picture window overlooking a grassy front area shaded by mature trees. The huge, updated kitchen boasts crisp white cabinetry, quartz countertops, and a walk-in pantry--perfect for cooking and entertaining! The generous dining room opens through French doors to a private backyard, creating the perfect setting for outdoor dining and gatherings. A charming remodeled half bath completes the downstairs. Upstairs, retreat to the spacious primary suite featuring two closets and a private balcony overlooking the lush, tree-lined grounds--a peaceful spot to enjoy your morning coffee or unwind at the end of the day.

539 N Lesueur --, Mesa
6818 S Jentilly Lane, Tempe
$299,900
3 Beds ⋅ 1 Baths ⋅ 7097383 MLS ⋅ 1,035 SqFt.
Fantastic Tempe location close to shopping and freeways! This move-in ready 3-bedroom townhome is the perfect rental opportunity, featuring a kitchen with granite countertops, an electric range, and detailed 18-inch tile. The main floor offers a bright family room with recessed lighting and an adjoining patio.

6818 S Jentilly Lane, Tempe
1609 E Malibu Drive, Tempe
$325,000
3 Beds ⋅ 3 Baths ⋅ 7097376 MLS ⋅ 1,704 SqFt.
Welcome to this well-maintained 3 bedroom, 2 bath Tempe townhome offering nearly 2,000 sq ft of comfortable, functional living space in a convenient location. The popular two level floor plan offers plenty of flexibility, with beautiful travertine flooring throughout the main level, updated light fixtures and ceiling fans, and an abundance of storage. The spacious primary bedroom features three closets, providing excellent storage. The spacious rear patio offers plenty of room to create an inviting outdoor living space, whether you envision a comfortable seating area, a place to entertain, or your own private space to enjoy the Arizona weather. A large storage shed and two covered parking spaces add even more functionality. Location is hard to beat, with convenient access to ASU, major freeways, shopping, dining, and everyday amenities. With a great combination of space, condition, convenience, and value, this home is a fantastic opportunity to own in Tempe. Vacant and easy to show. Go and show.

1609 E Malibu Drive, 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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