TOKA Down Payment Assistance Program

What is TOKA Down Payment Assistance Program?

TOKA Down Payment Assistance Program is a deferred second loan for homebuyers in Sells, Arizona, administered by Tohono O'odham Ki:Ki Association (TOKA).

• The TOKA Down Payment Assistance Program provides a dollar-for-dollar match of the homebuyer's personal contribution up to $10,000 for enrolled Tohono O'odham Nation members purchasing a home anywhere in the United States, including off-reservation. The assistance is a zero-interest deferred loan secured by a deed of trust, repayable on a sliding scale if the home is sold within five years. Not available to repeat borrowers and cannot be combined with other grants or lender/builder credits.
• Dollar-for-dollar match up to $10,000.
• Zero interest.
• Available off-reservation.
• Nationwide property eligibility.

How much assistance does it provide?

TOKA Down Payment Assistance Program offers up to $10,000 in assistance.

• Buyer contribution: TOKA matches borrower's personal contribution dollar-for-dollar up to $10,000.
• Amounts are the program's published maximums, not an offer — Tohono O'odham Ki:Ki Association (TOKA) determines any individual award.

Do you have to pay it back?

TOKA Down Payment Assistance Program is forgiven after 5 years, so a buyer who stays that long does not repay it.

• Repayment is triggered by Sale or transfer within 5 years; DPA reduces 20% per year held.
• 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?

TOKA 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?

TOKA Down Payment Assistance Program sets its income limit as follows: Not stated in published guidelines.

• 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?

TOKA Down Payment Assistance Program can be used for Single Family.

• New construction is eligible.

Is there eligibility for specific groups?

TOKA Down Payment Assistance Program names American Indian and Alaska Native buyers among the groups it serves.

• 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?

TOKA Down Payment Assistance Program serves buyers purchasing in Sells, Arizona.

How do you apply?

Applications for TOKA Down Payment Assistance Program go through Tohono O'odham Ki:Ki Association (TOKA), which publishes the current terms and the application steps on its own site.

1. 1

   Contact Tohono O'odham Ki:Ki Association (TOKA) to reserve funds

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

2. 2

   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.