FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Arizona

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Arizona is a grant for homebuyers in Arizona, administered by Federal Home Loan Bank of San Francisco (delivered via member financial institutions). The FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program provides matching grants of up to $50,000 to first-time homebuyers earning between 80.01% and 140% of AMI purchasing in Arizona, California, or Nevada. Buyers must contribute a minimum of $10,000 of their own funds and complete homebuyer counseling; the grant is delivered to escrow by a participating FHLB-SF member lender. The 2026 program has $11 million available first-come, first-served (first $8M round exhausted; $3M second round later in 2026). Up to $50,000 grant (no repayment). Targets middle-income buyers (80.01-140% AMI). Stackable with other programs. Available statewide in AZ via participating lenders. $11M available in 2026. Funding comes from FHLBank San Francisco voluntary contribution; 2026 program $11M (first $8M round exhausted; $3M second round later in 2026).

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Arizona offers up to $50,000 in assistance. Homebuyer contribution: Homebuyer must contribute a minimum of $10,000 (savings or gifted funds). The program can be combined with Designed to complement local, state, and federal homeownership programs. Amounts are the program's published maximums, not an offer — Federal Home Loan Bank of San Francisco (delivered via member financial institutions) determines any individual award.

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Arizona is structured as a grant, so it is not repaid. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Arizona is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: HUD first-time homebuyer definition (no principal residence owned in past 3 years). A homebuyer education course is required, through HUD-approved homebuyer counseling program (provider not specified). Residency requirement: Property must be in Arizona, California, or Nevada. Apply through a currently participating FHLB-SF member lender (not directly from FHLB-SF). The $8M first round for 2026 is exhausted; $3M second round expected later in 2026. Distinct from the existing AZ generic WISH catalog row — MDPA targets 80.01-140% AMI with up to $50,000 and no retention period.

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Arizona limits household income to 140% of the area median income, which varies by county and household size. Household income between 80.01% and 140% of HUD AMI based on property address, adjusted for household size. Buyers at/below 80% AMI denied FHA financing may qualify under a special exception. 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.

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Arizona can be used for Single Family, Condo, 2-4 Unit, and Manufactured. New construction is eligible. Manufactured homes are eligible.

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Arizona serves homebuyers purchasing anywhere in Arizona.

Applications for FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Arizona go through Federal Home Loan Bank of San Francisco (delivered via member financial institutions), which publishes the current terms and the application steps on its own site. Funds are reserved through First-come, first-served via FHLB-SF member financial institution. 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.