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 are administered by Arizona state, county, or city programs. Higher assistance amounts, but tighter geographic and income eligibility.
| Program | Where | Assistance | FICO | FTHB? |
|---|---|---|---|---|
| Home Plus | Statewide AZ | Up to 5% of loan | 620 | Some configs |
| Arizona Is Home | Statewide AZ (excl. Chino Valley) | Up to 5% of loan | 620 | Yes |
| Home In 5 | Maricopa County only | 3–6% of loan | 640 | Allows repeat |
| Flagstaff CHAP | City of Flagstaff only | Up to $50,000 (10:1 match) | varies | Yes (HUD def.) |
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) | 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 — DPA 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)?
Home Plus and Arizona Is Home work in most of AZ but check the current administered area. National programs (Chenoa, Arrive, Essex) work anywhere.
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.