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 USDA loan in Arizona
23 programs name USDA loans: 8 city, 7 county or regional, 8 statewide.23 programs in Arizona name USDA loans among the first mortgages they can be paired with: 8 run by a city, 7 by a county or regional agency and 8 open statewide.
Two approvals, made separately. The lender underwrites the USDA 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 USDA loan; the assistance program reviews its own application. A program naming USDA 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 23 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 8 programs
For homes inside that city’s limits onlyTucson · 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
Sedona · Yavapai County
Sedona Employer Assisted Housing Program
Deferred second loan · 150% of area median income
Sedona · Yavapai County
Sedona Workforce Homeownership Assistance Program
Deferred second loan · 150% of area median income
In a county or region 7 programs
For homes anywhere in the county or the counties namedYuma County
Comite de Bien Estar - Bienestar Housing Resource Center Down Payment & Closing Cost Assistance
Down-payment assistance
Coconino County
Home Purchase Assistance Option (HPAO)
Deferred second loan
Maricopa County
Newtown CDC Individual Development Account (IDA) Down Payment Assistance
Assistance grant · 78% 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
Pima County
Pima Tucson Homebuyer's Solution (PTHS)
Forgivable loan
Multiple County
Workforce Initiative Subsidy for Homeownership (WISH)
Forgivable loan · 80% of area median income
Anywhere in Arizona 8 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
- USDA Single Family Housing Direct Home Loans (Section 502 Direct) - ArizonaFirst mortgage
- USDA Single Family Housing Guaranteed Loan Program (Section 502 Guaranteed) - ArizonaFirst mortgage
Nationwide 25 programs · not in the 23
Nationwide: 25 more, not in the 2325 nationwide programs that also name USDA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde 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
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- USDA Rural Development Single Family Housing Guaranteed Loan Program
- All nationwide programs →
What to know
What the 23 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.
- 16 of 23
ask for a homebuyer education class.
- 15 of 23
are limited to first-time homebuyers, as each program defines it.
- 9 · 5 · 4
are deferred second loans, forgivable loans and assistance grants. The other 5 are 2 first mortgages, 2 mortgage credit certificates and 1 other assistance.
Free help in ArizonaFree help in Arizona
23 HUD-approved counseling agencies in Arizona23 HUD-approved housing counseling agencies in Arizona
16 of 23 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a USDA loan fit together.16 of 23 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
- Conventional loans 27
- VA loans 21
- Section 184 loans 1
- How USDA loans work with assistance, nationally →
By situation
Questions, answered
Can down payment assistance be used with a USDA loan in Arizona?
23 programs in Arizona name USDA 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 USDA 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.