Deferred second loan
City of Tempe Community Assisted Mortgage Program (CAMP)
First-time homebuyers · Income limits · Single Family · Townhouse · Condominium
Down payment assistance · Maricopa County
Buying a home in Tempe, AZ
2 Tempe programs, 4 county programs and 10 statewide.Tempe has 2 programs of its own, 4 more across Maricopa County, and 10 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 Tempe addresses
Tempe’s own programs
Shared-appreciation loan
Newtown Community Land Trust (CLT) Program
First-time homebuyers · Income limits · Single Family
Anywhere in MaricopaAnywhere in Maricopa County
4 county programs4 county programs a Tempe homebuyer can also use
6 more programs are for homes in Avondale, Mesa, Chandler and Phoenix. See them 6 programs in neighboring cities — for homes inside those cities, not Tempe
- Avondale — Avondale First-Time Homebuyer Program
- Mesa — City of Mesa Homeownership Assistance Program (HOA)
- Chandler — Chandler First-Time Homebuyers Program (Community Land Trust)
- Phoenix — City of Phoenix Section 32 Public Housing Homeownership Program
- Phoenix — CPLC Open Doors Down Payment Assistance Program
- Phoenix — Habitat for Humanity Central Arizona Homeownership Program
The Tempe marketThe Tempe housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Tempe
- 38.1% single-familysingle-family
- 10% townhousetownhouse
- 7.7% 2–4 units2–4 units
- 41.8% 5+ unitscondo & apartment buildings (5+ units)
- 2.4% mobile & othermobile home & other
Condos count. 4 of Tempe’s 6 local and county programs accept condos. Newtown Community Land Trust (CLT) Program lists single family. SRFSI IDA Matched Savings Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Tempe’s homes were built
pre-19401970s2020+
41.2%
of Tempe 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.
$112,400
County area median income, 4 people (HUD)HUD area median income, Maricopa County, 4-person household (2026)
$79,663
Tempe median household incomeMedian household income in Tempe (Census, 2024)
17 of the 78 programs here set their income limit as a share of Maricopa County’s area median income, adjusted for household size. See the published limits for Maricopa County
Free help nearbyFree help near Tempe
10 HUD-approved counseling agencies within 15 miles10 HUD-approved housing counseling agencies within 15 miles
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 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
72 statewide & federal programs10 statewide programs, plus federal options
Tempe questions
Does Tempe have its own down payment program?
Yes, 2: City of Tempe Community Assisted Mortgage Program (CAMP) and Newtown Community Land Trust (CLT) Program. Each is for homes inside Tempe.
Can I use assistance on a condo in Tempe?
4 of Tempe’s 6 local and county programs accept condos. Newtown Community Land Trust (CLT) Program lists single family. SRFSI IDA Matched Savings Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Maricopa County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Maricopa 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 Tempe?
HUD-approved housing counseling agencies teach homebuyer classes, and 10 agencies are within 15 miles of Tempe. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
85280 · 85281 · 85282 · 85283 · 85284 · 85285 · 85287 · 85289
Nearby in Maricopa
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.