Arizona's Home Plus program and other resources can help buyers cover down payment costs. Here is a guide to what is available in the state.
By Homexa® Team. Published April 13, 2026. Updated September 25, 2026.
Arizona offers down payment assistance programs through the Arizona Department of Housing (ADOH) and other local organizations. These programs are designed to help moderate-income buyers overcome the down payment barrier and achieve homeownership across the state.
Arizona Home Plus Program
The Arizona Home Plus program is the flagship down payment assistance offering in the state. It provides down payment and closing cost assistance ranging from 0 to 5 percent of the loan amount, depending on the specific mortgage product selected. The assistance is structured as a grant or as a soft second mortgage, depending on the program variation chosen.
The program is available for buyers using FHA, VA, USDA, Fannie Mae, or Freddie Mac conventional loans, which gives it broad applicability across different buyer situations.
Income and Purchase Price Limits
Arizona Home Plus has income limits and purchase price limits that vary by program option. Most program options are available to buyers with household incomes up to $122,100 (as of recent program guidelines). Purchase price limits also apply and are updated periodically.
Pima Tucson Homebuyer's Solution
In Pima County (Tucson area), the Pima Tucson Homebuyer's Solution offers additional down payment assistance layered with Arizona Home Plus. If you are buying in the Tucson area, this program can provide additional resources.
Maricopa County and City Programs
The City of Phoenix HOME program and Maricopa County also offer local down payment assistance that can be combined with state programs. Income limits and available funding vary.
How Homexa® Helps Arizona Buyers
Homexa® agents in Arizona are familiar with the Home Plus program and other local resources. Connect with a Homexa® agent in Arizona to identify which programs you qualify for and to start your home search with maximum buying power.
Frequently Asked Questions
What is the Arizona Home Plus down payment assistance program?
Arizona Home Plus is the state's flagship down payment assistance program. It provides down payment and closing cost assistance ranging from 0 to 5 percent of the loan amount, depending on the mortgage product, structured as a grant or a soft second mortgage. It works with FHA, VA, USDA, Fannie Mae, and Freddie Mac conventional loans. Homexa® connects Arizona buyers with experienced local agents.
What are the income limits for Arizona Home Plus?
Income and purchase price limits vary by program option. Most options are available to buyers with household incomes up to $122,100, as of recent program guidelines, and purchase price limits also apply and are updated periodically. Homexa® can connect you with an experienced local agent in Arizona.
Are there local down payment programs in Phoenix and Tucson?
Yes. In Pima County, the Pima Tucson Homebuyer's Solution offers additional down payment assistance layered with Arizona Home Plus. The City of Phoenix HOME program and Maricopa County also offer local assistance that can be combined with state programs, though income limits and available funding vary. Homexa® helps Arizona buyers find experienced local agents.