Forgivable loan
City of Phoenix Section 32 Public Housing Homeownership Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Maricopa County
Buying a home in Phoenix, AZ
4 Phoenix programs, 4 county programs and 10 statewide.Phoenix has 4 programs of its own, 4 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 Phoenix addresses
Phoenix’s own programs
Assistance grant
CPLC Open Doors Down Payment Assistance Program
First-time homebuyers · Income limits
First mortgage
Habitat for Humanity Central Arizona Homeownership Program
First-time homebuyers · New construction · Income limits
Forgivable loan
Home in Five Advantage
Income limits · Single Family · Condo · Townhouse
Anywhere in MaricopaAnywhere in Maricopa County
4 county programs4 county programs a Phoenix homebuyer can also use
4 more programs are for homes in Avondale, Mesa, Chandler and Tempe. See them 4 programs in neighboring cities — for homes inside those cities, not Phoenix
The Phoenix marketThe Phoenix housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Phoenix
- 59.8% single-familysingle-family
- 4.8% townhousetownhouse
- 6.1% 2–4 units2–4 units
- 26.4% 5+ unitscondo & apartment buildings (5+ units)
- 2.9% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Phoenix’s homes were built
pre-19401970s2020+
41.6%
of Phoenix 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)
$81,332
Phoenix median household incomeMedian household income in Phoenix (Census, 2024)
19 of the 80 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 Phoenix
11 HUD-approved counseling agencies within 15 miles11 HUD-approved housing counseling agencies within 15 miles
8 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 8 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
Phoenix questions
Does Phoenix have its own down payment program?
Yes, 4: City of Phoenix Section 32 Public Housing Homeownership Program, CPLC Open Doors Down Payment Assistance Program, Habitat for Humanity Central Arizona Homeownership Program and Home in Five Advantage. Each is for homes inside Phoenix.
Can I use assistance on a condo in Phoenix?
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. 19 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 Phoenix?
HUD-approved housing counseling agencies teach homebuyer classes, and 11 agencies are within 15 miles of Phoenix. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
85001 · 85002 · 85003 · 85004 · 85005 · 85006 · 85007 · 85008 · 85009 · 85010 · 85011 · 85012 · 85013 · 85014 · 85015 · 85016 · 85017 · 85018 · 85019 · 85020 · 85021 · 85022 · 85023 · 85024 · 85025 · 85026 · 85027 · 85028 · 85029 · 85030 · 85031 · 85032 · 85033 · 85034 · 85035 · 85036 · 85037 · 85038 · 85039 · 85040 · 85041 · 85042 · 85043 · 85044 · 85045 · 85046 · 85048 · 85050 · 85051 · 85053 · 85054 · 85055 · 85060 · 85061 · 85062 · 85063 · 85064 · 85065 · 85066 · 85067 · 85068 · 85069 · 85070 · 85071 · 85072 · 85073 · 85074 · 85075 · 85076 · 85077 · 85078 · 85079 · 85080 · 85082 · 85085 · 85086 · 85098 · 85099
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.