First-Time Homebuyer Programs in Arizona You Shouldn’t Miss

Looking to Buy Your First Home in Arizona? Help is Out There

Buying your first home is a huge milestone—but it can feel a little intimidating, especially when you're staring down a big down payment or wondering if your credit is good enough. Here's the good news: Arizona offers several helpful programs that can make owning your first home much more doable. Let’s walk through the ones you should know about.

1. Arizona Industrial Development Authority (AZIDA) – Home Plus Program

What it offers:

Down payment assistance up to 5% of the loan amount

Available statewide

Works with FHA, VA, USDA, and conventional loans

Who it’s for:

First-time and repeat homebuyers

Must meet income and purchase price limits

Must complete a homebuyer education course

This is one of the most popular options in Arizona. It’s flexible and designed to help cover both the down payment and closing costs.

2. Arizona Department of Housing – Pathway to Purchase (P2P)

What it offers:

10% down payment assistance, up to $20,000

Available in select Arizona cities

Forgivable after 5 years

Who it’s for:

First-time buyers purchasing in targeted areas

Income limits apply

Minimum credit score of 640

This program is ideal if you're buying in one of the eligible cities. It’s a great option if you’re looking for a bigger boost toward your down payment.

3. Chenoa Fund

What it offers:

Down payment assistance of 3.5% for FHA loans

Available to buyers with a credit score as low as 600

Offers forgivable and repayable options

Who it’s for:

First-time and repeat buyers

Buyers looking for low credit score options

This program is great for buyers who might not qualify for traditional assistance due to lower credit.

4. U.S. Department of Agriculture (USDA) Loans

What it offers:

Zero down payment

Low interest rates

Must buy in a qualified rural area

Who it’s for:

Low-to-moderate income buyers

Willing to buy in USDA-eligible parts of Arizona

Many buyers don’t realize they may qualify for a USDA loan. If you're open to homes in rural areas, this is a solid option with no down payment needed.

5. VA Loans (For Veterans and Active-Duty Service Members)

What it offers:

0% down payment

No mortgage insurance

Competitive interest rates

Who it’s for:

Veterans, active military, and eligible spouses

This benefit is one of the most powerful tools for those who qualify. If you’ve served, this program can save you thousands.

6. City-Specific Programs

Some cities across Arizona offer their own local assistance for first-time buyers. A few to check out include:

Phoenix Open Doors Homeownership Program

Tucson Pima County Homebuyer’s Solution

Maricopa County Home in Five Advantage

Each one has its own rules, but they’re worth exploring if you’re buying in a specific area.

How to Get Started With These Programs

Most programs require:

A minimum credit score (usually 620 or higher)

Proof of income and employment

A completed homebuyer education course

Working with a participating lender

Pro tip: Always ask your lender or real estate agent if they work with these programs. Not all do—and some may have helpful insights or faster access.

Why These Programs Matter

Homeownership can feel out of reach—but with the right tools and a little guidance, it’s closer than you think. These programs are designed to help people just like you get into a home without being buried in debt.

Ready to Buy Your First Home in Arizona? Let’s Make a Plan

If you’re considering buying your first home, don’t go it alone. These programs can save you money and reduce stress.

Reach out to a local real estate pro or lender today and ask about first-time homebuyer programs in Arizona. It could be the key that unlocks your new front door.