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).

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

City of Flagstaff Employer Assisted Housing Program (EAH) is forgiven after 10 years, so a homebuyer 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.

City of Flagstaff Employer Assisted Housing Program (EAH) is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: Must not have owned a home within the FMPO boundary in the last 3 years; single parents who only owned with a former spouse qualify. On credit, the program states: Must be mortgage eligible based on credit and employment; no explicit minimum. A homebuyer education course is required, through Housing Solutions of Northern Arizona (HSNA) online homebuyer education + one-on-one HUD-certified counseling; no cost. Residency requirement: Home must be within the Flagstaff Metropolitan Planning Organization (FMPO) boundary. Restricted to current City of Flagstaff employees in non-temporary positions with 12+ consecutive months of employment; performance evaluation must meet/exceed expectations and employee not on a performance work plan. One-time benefit per employee. Annual budget appropriation required — program may pause if unfunded. Buyer funds must be seasoned 3+ months or gift from immediate family.

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.

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.

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.

City of Flagstaff Employer Assisted Housing Program (EAH) serves homebuyers purchasing in Flagstaff, Arizona. The program targets specific areas: Home purchase must be within the Flagstaff Metropolitan Planning Organization (FMPO) boundary.

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. Funds are reserved through First-come, first-served; contingent on annual City budget allocation. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.