Deferred second loan
TOKA Down Payment Assistance Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Pima County
Buying a home in Sells, AZ
1 Sells program, 5 county programs and 9 statewide.Sells has 1 program of its own, 5 more across Pima County, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Sells addresses
Sells’s own program
Anywhere in PimaAnywhere in Pima County
5 county programs5 county programs a Sells homebuyer can also use
- City of Tucson – Pima County HOME Consortium Down Payment Assistance ProgramUp to $50,000
- Pascua Yaqui Tribe Home Ownership Assistance ProgramUp to $5,000
- Pima IDA Mortgage Credit Certificate (MCC) ProgramUp to $2,000
- Pima Tucson Homebuyer's Solution (PTHS)Forgivable
- PimaTucson LIGHTHOUSE Down Payment Assistance ProgramForgivable
The Sells marketThe Sells housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Sells
- 76.4% single-familysingle-family
- 0.8% townhousetownhouse
- 7.9% 2–4 units2–4 units
- 8% 5+ unitscondo & apartment buildings (5+ units)
- 6.9% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Sells’s homes were built
pre-19401970s2020+
39.1%
of Sells homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$99,800
County area median income, 4 people (HUD)HUD area median income, Pima County, 4-person household (2026)
15 of the 77 programs here set their income limit as a share of Pima County’s area median income, adjusted for household size. See the published limits for Pima County
Free help nearbyFree help near Sells
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 6 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Arizona and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
- FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — ArizonaUp to $50,000 · Assistance grant
- A.R.C. Homebuyer Readiness Down Payment AssistanceUp to $40,000 · Down-payment assistance
- Arizona IDA Statewide Mortgage Credit Certificate (MCC) ProgramUp to $2,000 · Mortgage credit certificate
Sells questions
Does Sells have its own down payment program?
Yes, one: TOKA Down Payment Assistance Program, a deferred second loan for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Sells.
Can I use assistance on a condo in Sells?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Pima County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Pima County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Sells?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
85634
Nearby in Pima
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.