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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

$365,000
2 Beds ⋅ 2 Baths ⋅ 6977552 MLS ⋅ 1,096 SqFt.
PRICE IMPROVED! Resort-style living in the heart of Gilbert! This beautiful townhome is located in the highly desirable Lakes at Annecy community. The southeast-facing unit is filled with natural light and enjoys a prime location directly across from a park-like setting featuring a lake with fountains, resort-style pool complex, and children's playground. The home offers direct access from the 2-car garage and a thoughtfully designed layout ideal for modern living. The kitchen boasts ample quartz counter space, sleek cabinetry, and beautiful appliances, perfect for both everyday use and entertaining. The living area opens to a private balcony, providing additional outdoor space. Additional features include a full-size stackable washer and dryer, included with the home. Conveniently located within walking distance to shopping, dining, and entertainment, with easy access to the Loop 202. Just minutes from SanTan Village Mall and Mercy Gilbert Medical Center. This is a fantastic opportunity to enjoy low-maintenance living in one of Gilbert's most sought-after communities.

2750 S Voyager Drive Unit 101, Gilbert
$250,000
3 Beds ⋅ 2 Baths ⋅ 6976768 MLS ⋅ 1,230 SqFt.
Well-maintained 3 bedroom, 2 bathroom home offering 1,230 square feet of comfortable living space. Built in 1970, this property features a functional floor plan with spacious living areas and well-sized bedrooms. The primary suite includes a private full bathroom, while two additional bedrooms provide flexibility for guests, home office space, or additional living needs. Sewer lines have been updated, offering added peace of mind for future ownership. Residents enjoy access to a community pool, and the property includes an assigned parking space for convenience. Ideally located approximately 10 minutes from Arizona State University, this home offers excellent potential as a primary residence or investment opportunity.

2015 E Southern Avenue Unit 22, Tempe
$242,900
2 Beds ⋅ 3 Baths ⋅ 6976196 MLS ⋅ 1,100 SqFt.
Welcome home to this beautifully updated 2 bed 2.5 bath townhouse in a quiet neighborhood, minutes from the 101, 60, and 202, Cubs Stadium, Mesa Riverview, Tempe Marketplace, and 10 minutes from Phoenix Sky Harbor Airport. Upgrades include popcorn ceilings removed, fresh paint, epoxy-finished concrete floors downstairs, remodeled backyard, fully remodeled downstairs half bath and upstairs spare bath with updated plumbing and ventilation, newer dishwasher with added cabinetry, custom master closet, new stair railing, new front door with transferrable lifetime warranty (7/2025), and new water heater (10/2025) + 6 year warranty. Appraised at $291K in 2022 with additional upgrades since.

1500 W Rio Salado Parkway Unit 28, Mesa
$490,000
3 Beds ⋅ 3 Baths ⋅ 6975996 MLS ⋅ 1,921 SqFt.
Resort living at ''The Lakes at Annecy'' has stunning Lakes, access to 3 pools, spas, playgrounds, BBQs, peaceful green spaces surrounding the community's tree-lined streets, tranquil water features, and resort-style amenities. Nearby dining, shopping, and entertainment. Walking distance from SanTan Village, minutes from Loop 202, downtown Gilbert, and downtown Chandler yet feels like its own private world at this true resort-style living community! Featuring a courtyard, 3 bedroom plus a spacious loft, 2.5 baths, 42'' uppers cabinetry, a large kitchen with designer selected quartz kitchen countertops, an island, stainless steel appliances, 2 car garage, and only shares one wall. This is a prime Gilbert location. move-in ready! You just to unpack, unwind, and start enjoying life.

1821 E Bernie Lane Unit 107, Gilbert
$300,000
2 Beds ⋅ 3 Baths ⋅ 6975471 MLS ⋅ 1,095 SqFt.
WOW - a two bedroom, 2.5 bath updated condo in Mesa with a rare attached 2-car garage & no neighbors above or below. This two-story home is truly move-in ready, featuring new tile flooring, freshly painted cabinets, redesigned lighting & fixtures, and beautifully remodeled bathrooms with timeless white subway tile. Large picture windows & a cozy fireplace create a bright and welcoming living space, while sliding doors off both the living room & primary bedroom extend your living outdoors. The upstairs primary suite offers two large closets & a private second-story balcony perfect for enjoying Arizona mornings & evenings. Major improvements have already been completed, including a newer AC & water heater, and the HOA has recently replaced the roof, providing added peace of mind. The... ...attached garage (off of the front patio with patio furniture and lights) offers secure parking and additional storage while maintaining separation from the living space. Situated right around the corner from the neighborhood amenities including a gated pool & spa, tennis court (currently closed for remodel) and lots of lush walking paths highlighting the pride of ownership in the community. Conveniently located near the US-60, Loop 101, and I-10, with easy access to shopping, dining in both Mesa and neighboring Gilbert, and all your daily essentials within blocks - this home combines thoughtful updates, functionality, and location in one turnkey package.

2834 S Extension Road Unit 1026, Mesa
$280,000
2 Beds ⋅ 2 Baths ⋅ 6975402 MLS ⋅ 1,310 SqFt.
Discover the comfort and convenience of this two-story townhome in sought-after Dobson Ranch. Natural light fills the spacious interior, highlighted by vaulted ceilings, transom windows, tile flooring, and a cozy fireplace. The kitchen is thoughtfully designed with warm wood cabinetry, built-in appliances, and a peninsula that offers additional workspace and seating. Upstairs, the primary suite features a walk-in closet and an en-suite bath with dual sinks, a soaking tub, and separate shower. The private backyard includes pavers and a covered patio for easy outdoor living.

1718 S Longmore -- Unit 13, Mesa
$422,900
3 Beds ⋅ 3 Baths ⋅ 6974570 MLS ⋅ 1,975 SqFt.
Outstanding opportunity for a 3 bedroom, 2.5 bathroom, 1,975 (spacious) SQFT Townhouse, with a two-car garage in a beautiful gated community. Walk in to the spacious living room, great for entertaining. Kitchen features a custom backsplash, breakfast bar and lots of counter space. The second level has a spacious loft & primary bedroom & bathroom with a separate tub / shower, plus a private balcony. The rest of the bedrooms + bedroom will be on the next floor, with another spacious loft and private balcony. Along with being a gated community, it also boasts a community pool + spa, playground & plenty of common area space. Very quick and easy access to the 202 freeway, making it convenient to get around. Close to great shopping, restaurants & entertainment. Do not miss this!

2821 S Skyline Drive Unit 129, Mesa
$270,000
2 Beds ⋅ 2 Baths ⋅ 6974018 MLS ⋅ 1,288 SqFt.
Completely renovated 2 bedroom and 2 bath situated in a perfectly located in gated golf community. This turn key home features fresh flooring and paint throughout, custom soft-close shaker kitchen cabinets with quartz countertops, and out of the box appliances. Updated bathrooms include new fixtures, tile and a touch of modernness. Brand new AC, ceiling fans and dual pane windows ready for the Arizona summer.

7129 E Broadway Road Unit 66, Mesa
$450,000
3 Beds ⋅ 3 Baths ⋅ 6973328 MLS ⋅ 1,680 SqFt.
Beautiful 3-bedroom, 2.5-bath townhome located in the heart of Ocotillo! This light-filled, open-concept home features plantation shutters throughout and a clean, modern aesthetic. The white kitchen cabinets with under-mount lighting, upgraded countertops, tile flooring, and stainless steel appliances create a bright and timeless space perfect for everyday living and entertaining. Upstairs, you'll find two generously sized guest bedrooms along with a spacious primary suite. The primary bathroom offers dual sinks, tiled shower, ample lighting, and excellent storage. The garage is thoughtfully upgraded with epoxy flooring, built-in cabinets, and pre-wiring for an EV charger, adding both style and functionality. Enjoy the private front patio—ideal for relaxing or entertaining— with just the right amount of low-maintenance landscaping. Additional features include a water softener, tankless water heater, reverse osmosis system in the kitchen, and the refrigerator, washer, and dryer are all included. Located in a sought-after resort-style community with convenient access to the 202, 101, and I-10 freeways, as well as Downtown Ocotillo. Don't miss this move-in-ready gem!

2477 W Market Place Unit 27, Chandler
$399,000
3 Beds ⋅ 3 Baths ⋅ 6973247 MLS ⋅ 1,534 SqFt.
Lock-and-leave lifestyle at its finest! This updated Chandler gem in the gated Via De Cielo community offers a rare blend of location and low-maintenance ease.The Home with an Open-concept great room, upgraded wood-style flooring, and a primary suite with a generous walk-in closet. The Perks include an Attached 2-car garage, private balcony, and laundry on the same level as the bedrooms. The Location is Minutes from Intel, Microchip, and Dignity Health, with easy access to the 101 and 202. Whether you're looking for your first home or a high-value investment, this move-in-ready property delivers.

900 S 94th Street Unit 1092, Chandler
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