Avondale · Maricopa County
Avondale First-Time Homebuyer Program
Forgivable loan · 80% of area median income
Programs by loan typePrograms by loan type · Arizona
Down payment assistance you can pair with a conventional loan in Arizona
27 programs name conventional loans: 10 city, 11 county or regional, 6 statewide.27 programs in Arizona name conventional loans among the first mortgages they can be paired with: 10 run by a city, 11 by a county or regional agency and 6 open statewide.
Two approvals, made separately. The lender underwrites the conventional loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the conventional loan; the assistance program reviews its own application. A program naming conventional means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 27 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Arizona. Listed A–Z within each group, not ranked.
In a Arizona city 10 programs
For homes inside that city’s limits onlyFlagstaff · Coconino County
City of Flagstaff Employer Assisted Housing Program (EAH)
Forgivable loan · 125% of area median income
Phoenix · Maricopa County
City of Phoenix Section 32 Public Housing Homeownership Program
Forgivable loan · 80% of area median income
Tucson · Pima County
City of Tucson Down Payment Assistance Program
Deferred second loan · 80% of area median income
Flagstaff · Coconino County
Community Homebuyer Assistance Program (CHAP)
Deferred second loan · 150% of area median income
Cottonwood · Yavapai County
Cottonwood Employer Assisted Housing Program
Deferred second loan · 120% of area median income
Cottonwood · Yavapai County
Cottonwood Homeownership Program (CHP)
Deferred second loan · 120% of area median income
Yuma · Yuma County
Section 8 Home Ownership Program
Assistance grant · 50% of area median income
In a county or region 11 programs
For homes anywhere in the county or the counties namedMaricopa County
Home in Five Advantage
Forgivable loan
Coconino County
Home Purchase Assistance Option (HPAO)
Deferred second loan
Navajo County
Hopi Credit Association Home Construction Loan
First mortgage
Maricopa County
Maricopa County HOME
Deferred second loan · 80% of area median income
Maricopa County
Newtown CDC Individual Development Account (IDA) Down Payment Assistance
Assistance grant · 78% of area median income
Maricopa County
Newtown Community Land Trust (CLT) Program
Shared-appreciation loan · 80% of area median income
Pima County
Pascua Yaqui Tribe Home Ownership Assistance Program
Assistance grant
Pima County
Pima IDA Mortgage Credit Certificate (MCC) Program
Mortgage credit certificate · 115% of area median income
Anywhere in Arizona 6 programs
Can sit alongside a city or county program where both allow it- Arizona Home PlusForgivable loan
- Arizona IDA Statewide Mortgage Credit Certificate (MCC) ProgramUp to $2,000 · Mortgage credit certificate · First-time homebuyers
- Arizona is Home Mortgage Assistance ProgramDeferred second loan · First-time homebuyers
- FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — ArizonaUp to $50,000 · Assistance grant · First-time homebuyers
- HOME+PLUS Home Buyer Down Payment Assistance ProgramForgivable loan
- TOKA Down Payment Assistance ProgramUp to $10,000 · Deferred second loan · First-time homebuyers
Nationwide 54 programs · not in the 27
Nationwide: 54 more, not in the 2754 nationwide programs that also name conventional loans, each with its own area and eligibility rules
- America First Credit Union 100% No PMI Adjustable-Rate Mortgage
- American Pacific Mortgage 1% Home Program
- American Pacific Mortgage Pathway DPA
- BNY Down Payment Assistance
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Citibank, N.A. HomeRun Mortgage
- Confederated Tribes of Grand Ronde Down Payment Assistance
- CrossCountry Mortgage Community Promise
- CrossCountry Mortgage Smart Start Down Payment Assistance Program
- Empowered DPA Program Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- First Bank Thrive Mortgage Loan
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 1% Down Program
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage Doctor and Medical Professionals Program
- Guild Mortgage MyPath2Own Program
- Guild Mortgage Zero Down Mortgage Program
- HSBC Bank USA CommunityWorks
- HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant
- Lakeview National Down Payment Assistance Homeownership Program
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- Luminate Bank Luminate PATH National DPA Program
- MEP Advantage DPA Program
- NACA Homeownership through Public Housing Assistance (HOT-PHA)
- NACA's New Construction Homes
- NASA FCU $0 Down, No PMI Mortgage Purchase
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- Navy Federal Credit Union Homebuyers Choice Loan
- Navy Federal Credit Union Military Choice Loan
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Northpointe Bank ONE+ Loan Program
- Pathway Homes Essential Workers Program
- All nationwide programs →
What to know
What the 27 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 22 of 27
ask for a homebuyer education class.
- 18 of 27
are limited to first-time homebuyers, as each program defines it.
- 10 · 8 · 5
are deferred second loans, forgivable loans and assistance grants. The other 4 are 2 mortgage credit certificates, 1 first mortgage and 1 shared-appreciation loan.
Free help in ArizonaFree help in Arizona
23 HUD-approved counseling agencies in Arizona23 HUD-approved housing counseling agencies in Arizona
22 of 27 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a conventional loan fit together.22 of 27 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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Keep going
More of Arizona’s programs
State pageEvery program in ArizonaBy city, by county and statewide, with the 15 counties.Arizona →Income limitsIncome limits and price caps in ArizonaHUD area median income by county, and the share each program sets.See the limits →
Other loan types
- FHA loans 22
- VA loans 21
- USDA loans 23
- Section 184 loans 1
- How conventional loans work with assistance, nationally →
By situation
Questions, answered
Can down payment assistance be used with a conventional loan in Arizona?
27 programs in Arizona name conventional loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming conventional loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–August 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.