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Pima Tucson Homebuyer's Solution (PTHS)

Industrial Development Authority of the County of Pima and the City of Tucson (administered by Community Investment Corporation) · Tucson, Arizona

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Assistance

5%

Of the purchase price, as the program sets it

Income limit

$146,503

The household income limit the program publishes

Repayment

Forgivable

Forgiven after 3 years

What is Pima Tucson Homebuyer's Solution (PTHS)?

Pima Tucson Homebuyer's Solution (PTHS) is a forgivable loan for homebuyers in Tucson, Arizona, administered by Industrial Development Authority of the County of Pima and the City of Tucson (administered by Community Investment Corporation).

  • The Pima Tucson Homebuyer's Solution (PTHS) is a mortgage program offered jointly by the Industrial Development Authorities of Pima County and the City of Tucson, administered by Community Investment Corporation, for homebuyers purchasing anywhere in Pima County including the City of Tucson. Borrowers receive a 30-year fixed-rate first mortgage (FHA, VA, USDA, or Conventional) plus down payment and closing-cost assistance in the form of a forgivable second mortgage; for VA loans the assistance is a grant. There is no first-time homebuyer requirement and no purchase price limit, and the assistance can fund up to 100% of the borrower's cash to close.
  • Down payment and closing cost assistance as a forgivable second mortgage (grant for VA loans).
  • No first-time homebuyer requirement.
  • No purchase price limit.
  • No minimum borrower investment required.
  • May fund up to 100% of cash to close.
  • Can be combined with MCC and HOME DPA.
  • No recapture tax.

How much assistance does it provide?

Pima Tucson Homebuyer's Solution (PTHS) provides assistance worth 5% of the purchase price, as set by the program.

  • Buyer contribution: No minimum borrower investment required from the borrower's own resources.
  • The program can be combined with Mortgage Credit Certificate (MCC); City/County HOME-sponsored down payment assistance (additional requirements apply).
  • Amounts are the program's published maximums, not an offer — Industrial Development Authority of the County of Pima and the City of Tucson (administered by Community Investment Corporation) determines any individual award.

Do you have to pay it back?

Pima Tucson Homebuyer's Solution (PTHS) is forgiven after 3 years, so a buyer who stays that long does not repay it.

  • 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?

Pima Tucson Homebuyer's Solution (PTHS) is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: Minimum credit score of 640 for all borrowers; must also meet FHA, VA, USDA, Fannie Mae or Freddie Mac underwriting requirements.
  • A completed homebuyer education course, through Homebuyer education course required for all primary borrowers on the Note/Warranty Deed; eHomeAmerica is approved.
  • Owner-occupied primary residence; buyers must occupy within 60 days of closing. Assistance may fund up to 100% of cash to close (down payment, closing costs, prepaids); no cash back to borrower. Maximum DTI 45 percent. GAP: assistance percentage differs by source/sub-program (Pima IDA lists 3, 4 or 5 percent; CIC lists 2 to 5 percent; Housing Innovation Hub PTHS Advantage lists up to 4 percent as a 30-year forgivable second). Base PTHS second is a 3-year forgivable loan; PTHS Advantage is a 30-year forgivable loan. GAP: annual funding cap, exact repayment trigger detail, and income limits by loan type/household size not published on official pages reviewed. GAP: HUD AMI year not stated on official source.

The program excludes

  • Households above $146,503

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Pima Tucson Homebuyer's Solution (PTHS) limits household income to $146,503.

  • 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?

Pima Tucson Homebuyer's Solution (PTHS) can be used for Single Family, Condo, Townhouse, 2-4 Unit, and Manufactured.

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

Where does it apply?

Pima Tucson Homebuyer's Solution (PTHS) serves buyers purchasing in Tucson, Arizona.

How do you apply?

Applications for Pima Tucson Homebuyer's Solution (PTHS) go through Industrial Development Authority of the County of Pima and the City of Tucson (administered by Community Investment Corporation), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Homebuyer education course required for all primary borrowers on the Note/Warranty Deed; eHomeAmerica is approved..

  2. Contact Industrial Development Authority of the County of Pima and the City of Tucson (administered by Community Investment Corporation) to reserve funds

    Funds are reserved with the provider and are subject to availability.

  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.

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Pima Tucson Homebuyer's Solution (PTHS), explained

A short, free course on Pima Tucson Homebuyer's Solution (PTHS): what it is, who it is for, how it is forgiven, where it applies and how to apply. Based on program data from August 2026. About ten minutes.

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