Deferred second loan
City of Mesa Homeownership Assistance Program (HOA)
First-time homebuyers · Income limits
Down payment assistance · Maricopa County
Buying a home in Mesa, AZ
1 Mesa program, 5 county programs and 10 statewide.Mesa has 1 program of its own, 5 more across Maricopa County, and 10 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Mesa addresses
Mesa’s own program
Anywhere in MaricopaAnywhere in Maricopa County
5 county programs5 county programs a Mesa homebuyer can also use
6 more programs are for homes in Avondale, Chandler, Phoenix and Tempe. See them 6 programs in neighboring cities — for homes inside those cities, not Mesa
- Avondale — Avondale First-Time Homebuyer Program
- Chandler — Chandler First-Time Homebuyers Program (Community Land Trust)
- Phoenix — City of Phoenix Section 32 Public Housing Homeownership Program
- Tempe — City of Tempe Community Assisted Mortgage Program (CAMP)
- Phoenix — CPLC Open Doors Down Payment Assistance Program
- Phoenix — Habitat for Humanity Central Arizona Homeownership Program
The Mesa marketThe Mesa housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Mesa
- 55.1% single-familysingle-family
- 6.1% townhousetownhouse
- 6% 2–4 units2–4 units
- 19.7% 5+ unitscondo & apartment buildings (5+ units)
- 13% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Mesa’s homes were built
pre-19401970s2020+
29%
of Mesa homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$112,400
County area median income, 4 people (HUD)HUD area median income, Maricopa County, 4-person household (2026)
$82,752
Mesa median household incomeMedian household income in Mesa (Census, 2024)
17 of the 78 programs here set their income limit as a share of Maricopa County’s area median income, adjusted for household size. See the published limits for Maricopa County
Free help nearbyFree help near Mesa
9 HUD-approved counseling agencies within 15 miles9 HUD-approved housing counseling agencies within 15 miles
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 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
Mesa questions
Does Mesa have its own down payment program?
Yes, one: City of Mesa Homeownership Assistance Program (HOA), a deferred second loan for first-time homebuyers (income limits). It is for homes inside Mesa.
Can I use assistance on a condo in Mesa?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Maricopa County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Maricopa 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 Mesa?
HUD-approved housing counseling agencies teach homebuyer classes, and 9 agencies are within 15 miles of Mesa. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
85201 · 85202 · 85203 · 85204 · 85205 · 85206 · 85207 · 85208 · 85210 · 85211 · 85212 · 85213 · 85214 · 85215 · 85216 · 85274 · 85275 · 85277
Nearby in Maricopa
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, 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). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.