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.

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

TOKA Down Payment Assistance Program is forgiven after 5 years, so a homebuyer 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.

TOKA Down Payment Assistance Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: Not eligible for repeat borrowers. On credit, the program states: Not specified; pre-approved mortgage letter required. Residency requirement: Must be an enrolled member of the Tohono O'odham Nation (Tribal ID or CIB); home may be purchased anywhere in the US including off-reservation. Must present a pre-approved mortgage letter to TOKA. Required documents include driver's license and Tribal ID or CIB; lender forwards Form 1003, signed purchase agreement, and Loan Estimate. Cannot be stacked with other grants or credits.

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.

TOKA Down Payment Assistance Program can be used for Single Family. New construction is eligible.

TOKA Down Payment Assistance Program names American Indian and Alaska Native homebuyers 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.

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

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. 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.