Deferred second loan
City of Tucson – Pima County HOME Consortium Down Payment Assistance Program
First-time homebuyers · New construction · Income limits
Down payment assistance · Pima County
Buying a home in Tucson, AZ
8 Tucson programs and 9 statewide.Tucson has 8 programs of its own, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
Only for Tucson addresses
Tucson’s own programs
Down-payment assistance
A.R.C. Homebuyer Readiness Down Payment Assistance
First-time homebuyers · Income limits
Assistance grant
Pascua Yaqui Tribe Home Ownership Assistance Program
New construction · Income limits · Single Family
Mortgage credit certificate
Pima IDA Mortgage Credit Certificate (MCC) Program
First-time homebuyers · New construction · Income limits · Single-family detached · Manufactured housing · Condominium
Deferred second loan
City of Tucson Down Payment Assistance Program
New construction · Income limits · Single-family detached homes · townhomes · condominiums
First mortgage
Habitat for Humanity Tucson Affordable Homeownership Program
First-time homebuyers · New construction · Income limits
Forgivable loan
Pima Tucson Homebuyer's Solution (PTHS)
Income limits · Single Family · Condo · Townhouse
Forgivable loan
PimaTucson LIGHTHOUSE Down Payment Assistance Program
First-time homebuyers · Income limits
The Tucson marketThe Tucson housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Tucson
- 51.8% single-familysingle-family
- 8.2% townhousetownhouse
- 7.1% 2–4 units2–4 units
- 26.6% 5+ unitscondo & apartment buildings (5+ units)
- 6.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Tucson’s homes were built
pre-19401970s2020+
52.5%
of Tucson 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)
$57,073
Tucson median household incomeMedian household income in Tucson (Census, 2024)
16 of the 79 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 Tucson
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.5 of the 8 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Arizona and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Tucson questions
Does Tucson have its own down payment program?
Yes, 8: City of Tucson – Pima County HOME Consortium Down Payment Assistance Program, A.R.C. Homebuyer Readiness Down Payment Assistance, Pascua Yaqui Tribe Home Ownership Assistance Program, Pima IDA Mortgage Credit Certificate (MCC) Program, City of Tucson Down Payment Assistance Program, Habitat for Humanity Tucson Affordable Homeownership Program, Pima Tucson Homebuyer's Solution (PTHS) and PimaTucson LIGHTHOUSE Down Payment Assistance Program. Each is for homes inside Tucson.
Can I use assistance on a condo in Tucson?
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. 16 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 Tucson?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Tucson. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
85701 · 85702 · 85703 · 85704 · 85705 · 85706 · 85707 · 85708 · 85709 · 85710 · 85711 · 85712 · 85713 · 85714 · 85715 · 85716 · 85717 · 85718 · 85719 · 85720 · 85721 · 85722 · 85723 · 85724 · 85725 · 85726 · 85728 · 85730 · 85731 · 85732 · 85733 · 85734 · 85735 · 85736 · 85737 · 85739 · 85740 · 85741 · 85742 · 85743 · 85744 · 85745 · 85746 · 85747 · 85748 · 85749 · 85750 · 85751 · 85752 · 85754 · 85775 · 85777
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.