City of Flagstaff Employer Assisted Housing Program (EAH)

What is City of Flagstaff Employer Assisted Housing Program (EAH)?

City of Flagstaff Employer Assisted Housing Program (EAH) is a forgivable loan for homebuyers in Flagstaff, Arizona, administered by City of Flagstaff Housing Section (administered by Housing Solutions of Northern Arizona).

• The City of Flagstaff Employer Assisted Housing (EAH) Program provides up to $20,000 in interest-free, deferred down payment and/or closing cost assistance to eligible City of Flagstaff employees purchasing a home within the Flagstaff metropolitan area. Assistance is a 2-to-1 match of the buyer's own funds (up to $10,000 buyer contribution unlocks up to $20,000). Up to $10,000 is forgiven pro-rata over 10 years of continued City employment and owner-occupancy. Administered by Housing Solutions of Northern Arizona; contingent on annual City budget allocation.
• Up to $20,000 deferred, interest-free loan.
• 2-to-1 match rewards buyer savings.
• Up to $10,000 forgiven over 10 years.
• No-cost homebuyer education and counseling.
• Broad eligible property types incl. manufactured homes.
• Funding comes from City of Flagstaff general budget (contingent on annual allocation).

How much assistance does it provide?

City of Flagstaff Employer Assisted Housing Program (EAH) offers up to $20,000 in assistance.

• The program asks buyers to contribute 2-to-1 match: buyer contributes up to $10,000 of own funds to unlock up to $20,000 EAH assistance.
• The program can be combined with CHAP and other down payment assistance programs allowed.
• Amounts are the program's published maximums, not an offer — City of Flagstaff Housing Section (administered by Housing Solutions of Northern Arizona) determines any individual award.

Do you have to pay it back?

City of Flagstaff Employer Assisted Housing Program (EAH) is forgiven after 10 years, so a buyer who stays that long does not repay it.

• Repayment is triggered by Sale, cash-out refinance, termination of City of Flagstaff employment, or loss of owner-occupancy; up to $10,000 forgiven pro-rata over 10 years; remaining balance repaid on trigger.
• The assistance is recorded in Second position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Flagstaff Employer Assisted Housing Program (EAH) is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

City of Flagstaff Employer Assisted Housing Program (EAH) limits household income to 125% of the area median income, which varies by county and household size.

• No firm income limit stated for EAH (2019-era flyer references a 125% AMI table); eligibility is primarily City employment-based.
• The limit applies to total household income, not only the borrower’s.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

City of Flagstaff Employer Assisted Housing Program (EAH) can be used for Single Family, Townhouse, Condo, and Manufactured.

• New construction is eligible.
• Manufactured homes are eligible.

Is there eligibility for specific groups?

City of Flagstaff Employer Assisted Housing Program (EAH) is limited to employees of City of Flagstaff (non-temporary employees only).

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

City of Flagstaff Employer Assisted Housing Program (EAH) serves buyers purchasing in Flagstaff, Arizona.

• The program targets specific areas: Home purchase must be within the Flagstaff Metropolitan Planning Organization (FMPO) boundary.

How do you apply?

Applications for City of Flagstaff Employer Assisted Housing Program (EAH) go through City of Flagstaff Housing Section (administered by Housing Solutions of Northern Arizona), which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Housing Solutions of Northern Arizona (HSNA) online homebuyer education + one-on-one HUD-certified counseling; no cost.

2. 2

   Contact City of Flagstaff Housing Section (administered by Housing Solutions of Northern Arizona) to reserve funds

   Funds are reserved through First-come, first-served; contingent on annual City budget allocation, and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.