City of Tucson – Pima County HOME Consortium Down Payment Assistance Program

What is City of Tucson – Pima County HOME Consortium Down Payment Assistance Program?

City of Tucson – Pima County HOME Consortium Down Payment Assistance Program is a deferred second loan for homebuyers in Tucson, Arizona, administered by Community Investment Corporation (CIC) Tucson on behalf of City of Tucson and Pima County HOME Consortium.

• Up to $50,000 or 20% DPA.
• Deferred loan - no monthly payments.
• 2% interest forgiven at end of affordability period.
• Stackable with LIGHTHOUSE and MCC programs.
• Available throughout Pima County.
• Funding comes from HOME Investment Partnerships Program (HOME).

How much assistance does it provide?

City of Tucson – Pima County HOME Consortium Down Payment Assistance Program offers up to $50,000 in assistance.

• Award tiers: Affordability period: $15,000 or less = 5 years; $15,001–$40,000 = 10 years; over $40,000 = 15 years.
• The program asks buyers to contribute $1,000 minimum of buyer's own funds (documented and verified); cost of inspection may count; home warranty purchase required; 2 months mortgage payment reserves required after closing.
• The program can be combined with Can be combined with PimaTucson LIGHTHOUSE / Pima Tucson Homebuyer's Solution and CIC Mortgage Credit Certificate.
• Amounts are the program's published maximums, not an offer — Community Investment Corporation (CIC) Tucson on behalf of City of Tucson and Pima County HOME Consortium determines any individual award.

Do you have to pay it back?

City of Tucson – Pima County HOME Consortium Down Payment Assistance Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

• Repayment is triggered by Sale of home after affordability period; principal must be repaid.
• 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 Tucson – Pima County HOME Consortium Down Payment Assistance Program 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 Tucson – Pima County HOME Consortium Down Payment Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

• 2025 HUD AMI limits at 80% for family size: 1-$55,900; 2-$63,900; 3-$71,900; 4-$79,850; 5-$86,250; 6-$92,650; 7-$99,050; 8-$105,450.
• The limit applies to total household income, not only the borrower’s.
• The program lists a maximum household size of 8.
• 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 Tucson – Pima County HOME Consortium Down Payment Assistance Program caps the purchase price at $345,000.

• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

City of Tucson – Pima County HOME Consortium Down Payment Assistance Program serves buyers purchasing in Tucson, Arizona.

How do you apply?

Applications for City of Tucson – Pima County HOME Consortium Down Payment Assistance Program go through Community Investment Corporation (CIC) Tucson on behalf of City of Tucson and Pima County HOME Consortium, 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 HUD-certified homebuyer counseling at one of: Administration of Resources & Choices (ARC), Chicanos Por La Causa (CPLC), Pima County Community Land Trust.

2. 2

   Contact Community Investment Corporation (CIC) Tucson on behalf of City of Tucson and Pima County HOME Consortium to reserve funds

   Funds are reserved with the provider 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.