Down Payment Assistance Calculator (Arizona)

Q: Does down payment assistance cover closing costs too?

Often yes. Many Arizona programs let you apply assistance to both the down payment and closing costs, which is why the calculator subtracts it from your total cash to close, not just the down payment. Some programs cap what can go toward closing costs. The estimate here assumes assistance can be used for both; your loan officer confirms how your specific program applies it.

Q: How much cash will I actually need to buy a home with DPA?

Your real cash to close is the down payment plus estimated closing costs, minus the assistance you qualify for. On a $400,000 FHA purchase with 3.5% down, roughly 3% closing costs, and a 5% assistance program, your out-of-pocket can drop from about $26,000 to a few thousand dollars. The calculator shows your figure; underwriting confirms it.

Your scenario

The home

Purchase price

Minimum down payment (by loan type)

The lowest down your loan type allows. FHA is 3.5%; VA and USDA can be zero for those who qualify.

Assistance & costs

Assistance (% of loan amount)

Pick your program's figure. Most Arizona programs assist 3-5% of the loan; a few reach 6-7%. Not sure? See current Arizona DPA figures or leave it at 5%.

Estimated closing costs (% of price)

Closing costs in Arizona commonly run about 2% to 4% of the price. 3% is a reasonable starting estimate.

What you would bring to closing

$0 estimated cash to close, after assistance

Loan amount	$0
Down payment	$0
Estimated closing costs	$0
Cash needed before assistance	$0
Estimated assistance	$0
Estimated cash to close	$0

What this does not include: lender credits, seller concessions, earnest money already paid, or prepaid escrows can all shift your final number. Most assistance comes as a second loan or a grant with its own terms and eligibility. We walk you through which program you actually qualify for and how it applies. This is an estimate, not an approval.

How much down payment help can I get in Arizona?

Most Arizona down payment assistance programs provide help worth about 3% to 5% of the loan amount, and a few reach 6% or more. It usually arrives as a second loan or a grant, not cash in hand. On a $400,000 home with a 5% program, that is roughly $19,000 you do not have to save yourself. Programs and their limits change, so treat any figure as a starting point and confirm the current number for the program you use.

Does down payment assistance cover closing costs too?

Often, yes. Many Arizona programs let you apply the money to both your down payment and your closing costs, which is why this calculator subtracts assistance from your total cash to close rather than the down payment alone. Some programs cap how much can go toward closing. The estimate here assumes it can be used for both, and your loan officer confirms exactly how your program applies it.

How much cash will I actually need to buy a home with DPA?

Your true cash to close is the down payment plus estimated closing costs, minus the assistance you qualify for. That is the number in the calculator headline. On a $400,000 FHA purchase with 3.5% down and a 5% assistance program, the out-of-pocket can drop from roughly $26,000 to a few thousand dollars. Underwriting sets the final figure, but this gets you close enough to plan.

See exactly which Arizona program you qualify for

The calculator uses your estimates. To turn them into a real number, answer a few quick questions and our team matches you to the Arizona programs you actually qualify for, then calls you back shortly. No commitment, no pressure.

Related tools and guides

Mortgage payment calculator (PITI), estimate your full monthly payment once you know the price.
Arizona DPA program matcher, find the programs that fit your situation.
Current Arizona DPA figures, up-to-date assistance amounts, income limits, and credit minimums.
Down payment assistance basics, how DPA works if you are new to it.

Estimates only. Not a commitment to lend. Actual assistance, eligibility, income limits, and credit requirements depend on the specific program and full underwriting including credit, income, assets, and property. Program figures change; confirm current terms before relying on them. No interest rate is quoted on this page. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.