Deferred second loan
Cottonwood Employer Assisted Housing Program
First-time homebuyers · New construction · Income limits · Single-family detached · Townhome · Condominium
Down payment assistance · Yavapai County
Buying a home in Cottonwood, AZ
2 Cottonwood programs and 10 statewide.Cottonwood has 2 programs of its own, and 10 statewide. Here is what each one offers, and who near you can walk you through it.
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Only for Cottonwood addresses
Cottonwood’s own programs
Deferred second loan
Cottonwood Homeownership Program (CHP)
First-time homebuyers · New construction · Income limits · Single-family detached · Townhome · Condominium
Income limits in Yavapai County
How programs here set their income limits
$92,200
County area median income, 4 people (HUD)HUD area median income, Yavapai County, 4-person household (2026)
15 of the 74 programs here set their income limit as a share of Yavapai County’s area median income, adjusted for household size. See the published limits for Yavapai County
Free help nearbyFree help near Cottonwood
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Arizona and nationwide
72 statewide & federal programs10 statewide programs, plus federal options
Cottonwood questions
Does Cottonwood have its own down payment program?
Yes, 2: Cottonwood Employer Assisted Housing Program and Cottonwood Homeownership Program (CHP). Each is for homes inside Cottonwood.
Can I use assistance on a condo in Cottonwood?
All 2 of Cottonwood’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Yavapai County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Yavapai County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Cottonwood?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
86326
Nearby in Yavapai
Sources
Sources: agency sites (June–August 2026), HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.