First mortgage
Habitat for Humanity of Yuma Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Yuma County
Buying a home in Yuma, AZ
3 Yuma programs, 1 county program and 10 statewide.Yuma has 3 programs of its own, 1 more across Yuma 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 Yuma addresses
Yuma’s own programs
Assistance grant
Section 8 Home Ownership Program
First-time homebuyers · New construction · Income limits · Single-family detached, condo, townhome, cooperative, and manufactured home on owned land — all subject to HQS and independent inspection
Assistance grant
Western Arizona Community Alliance (WACA) Individual Development Account (IDA)
First-time homebuyers · Income limits · First home (single-family primary residence)
Anywhere in YumaAnywhere in Yuma County
1 county program1 county program a Yuma homebuyer can also use
The Yuma marketThe Yuma housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Yuma
- 56.1% single-familysingle-family
- 7.1% townhousetownhouse
- 7.1% 2–4 units2–4 units
- 10.4% 5+ unitscondo & apartment buildings (5+ units)
- 19.3% mobile & othermobile home & other
Condos count. 1 of Yuma’s 4 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Yuma’s homes were built
pre-19401970s2020+
35.3%
of Yuma 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.
$79,300
County area median income, 4 people (HUD)HUD area median income, Yuma County, 4-person household (2026)
$65,482
Yuma median household incomeMedian household income in Yuma (Census, 2024)
15 of the 76 programs here set their income limit as a share of Yuma County’s area median income, adjusted for household size. See the published limits for Yuma County
Free help nearbyFree help near Yuma
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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
Yuma questions
Does Yuma have its own down payment program?
Yes, 3: Habitat for Humanity of Yuma Homeownership Program, Section 8 Home Ownership Program and Western Arizona Community Alliance (WACA) Individual Development Account (IDA). Each is for homes inside Yuma.
Can I use assistance on a condo in Yuma?
1 of Yuma’s 4 local and county programs accept condos. 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 Yuma County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Yuma 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 Yuma?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Yuma. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
85364 · 85365 · 85366 · 85367 · 85369
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.