Every DPA program we work with — local Arizona and national.
Some programs work statewide. Some only in one county. Some only in one city. Some have income limits, some don't. Use the matrix below to filter by what matters for your situation, then click into the program for full eligibility.
Arizona-specific programs
These programs are run by Arizona state, county, or city agencies. They offer more help than national programs, but limit who can use them by location and income. Most of them have more than one option inside: different combinations of first-mortgage rate and help amount, built for different kinds of buyers. Click into a program to see the options and pick the right one.
A note on credit scores: the minimums below (620 and 640) are well below the 700+ many people think they need for a mortgage. If you've been told "no" because of credit elsewhere, one of these programs is often the answer.
| Program | Where | Help amount | Min credit score | First-time buyer? | Options inside |
|---|---|---|---|---|---|
| Home Plus | Statewide Arizona | Up to 5% of loan | 620 | Some setups | Multiple options |
| Arizona Is Home | Statewide Arizona (excl. Chino Valley) | Up to 5% of loan | 620 | Yes | One option |
| Home In 5 | Maricopa County only | 3–6% of loan | 640 | Allows repeat buyers | 2 options: Advantage (repeat buyers OK) + Platinum (first-time buyers, looser debt rules) |
| Pima Tucson Homebuyer's Solution | All of Pima County + City of Tucson | Depends on the option you pick. Fixed-dollar up to $15,000 on the Arizona Is Home version. | typically 640 (660 on manufactured) | Depends on the option | 4 options: Advantage, Edge, Unassisted, Advantage – Arizona is Home |
| Flagstaff CHAP | City of Flagstaff only | Up to $50,000 (10:1 match) | varies | Yes (HUD definition) | One option |
| Cottonwood CHP & EAH | Verde Valley zip codes (employed in City of Cottonwood) | Up to $40,000 (4:1 match) | varies | Yes | CHP base option + EAH employer-paired option |
| Sedona SWHAP & EAH | Verde Valley zip codes (employed in City of Sedona) | Up to $40,000 | varies | Yes | SWHAP base option + EAH employer-paired option |
National programs that work in Arizona
These are non-profit / national HFA-affiliated programs. Lower max assistance percentages, but no geographic limits within Arizona and typically no income limits.
| Program | Forms available | FICO | Income limit? |
|---|---|---|---|
| Chenoa Fund | 3.5% or 5% (Forgivable + Repayable, FHA-focused) | 600 | None |
| Arrive Home | 3.5% or 5% (Forgivable + Repayable) | 600 | None (LLPA at 160% AMI) |
| Essex / NHF | Amortized 2 Plus + 3-Year Forgivable | 600 | None |
Numbers reflect typical guidelines as of program publication dates. Verify current details with us before relying on a specific number. Down payment assistance program parameters change frequently.
Common questions
Can I stack two DPA programs?
Generally no — most DPA programs explicitly prohibit being combined with other DPA. Flagstaff CHAP is a notable exception that requires a separate buyer contribution but can be combined with certain other programs.
What if I'm just over the income limit on a local program?
Use a national program (Chenoa, Arrive, Essex) — they have no income limit. You'll get less assistance, but it's something instead of nothing.
What if I live in Pima County (Tucson)?
The Pima Tucson Homebuyer's Solution is your first look. It's the local Pima County and Tucson down payment assistance family with four variants under one umbrella. If that doesn't fit your situation, national programs (Chenoa Fund, Arrive Home, Essex / NHF) are available statewide.
Can I use DPA on a manufactured home?
Some programs allow it (Essex amortized: yes; Home In 5: not permitted; Home Plus: case-by-case). We'll model specific eligibility for your home type.
Pick the right program in 20 minutes.
Send your area, income, and rough credit. We'll narrow to 1–2 programs and run real numbers.