How Much Down Payment Do I Really Need to Buy a Home in Arizona?
The short answer is "less than you think." We walk through every loan type from VA (0%) to conventional (3% to 20%), and where DPA fits in.
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Insights
Plain-English guides for Arizona first-time homebuyers.
Down payment, closing costs, credit, timing the market, and the difference between DPA and "first-time buyer" programs. Written for people who haven't been through this before. New here? Start with DPA basics, then look at Home Plus, the statewide Arizona program.
Latest first-time homebuyer guides
Start with these. When you're ready to compare real programs, see the full Arizona DPA programs list and the current 2026 income limits and assistance amounts.
Down Payment vs. Closing Costs — Why First-Time Buyers Confuse Them
Two different bills, both due at closing. We break down what's in each, what they typically total, and which DPA programs can help with each.
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Arizona First-Time Homebuyer Timeline + Checklist
What happens when, from "thinking about buying" to keys-in-hand. Includes the homebuyer education course step DPA programs require.
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Contact Mike Certo