Help to buy in Arizona
Home-buying assistance programs in Arizona
2 official programs for down payment and closing cost help in Arizona, from Arizona Industrial Development Authority and Maricopa County Industrial Development Authority and The Industrial Development Authority of the City of Phoenix. We show what each program says on its own page, with the date we checked it.
Key numbers in Arizona
- Verified programs
- 2
- from Arizona Industrial Development Authority and Maricopa County Industrial Development Authority and The Industrial Development Authority of the City of Phoenix
- First-time buyers only
- 0
- 2 do not require it or their pages do not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 2
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Forgivable
Second loan forgiven if you stay in the home
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Deferred
Second loan with no payments until you sell or refinance
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Repayable
Second loan with monthly payments
The full list
Programs in Arizona
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Forgivable
- Deferred
Arizona IDA down payment assistance across Arizona: a second loan with no interest and no payments, forgiven after five years
What it gives, per the source
Open, per the source
We offer a competitive interest rate along with up to 4% assistance for down payments and closing costs. … We have both forgivable and non-forgivable options to suit your needs. … No interest, no payment, deferred soft second mortgage. … The DPA second mortgage is completely forgiven after 5 years/60 months. … The homeowner can choose to refinance or sell their Home Plus first mortgage at any time. However, if a refinance or sale occurs within the first 60 months, the DPA second lien must be repaid.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by Arizona Industrial Development Authority (Arizona IDA)
Verified November 5, 2026
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Home in Five Advantage
Only in: Maricopa County
- Forgivable
- Repayable
Help from the Phoenix and Maricopa County development authorities for the down payment and closing costs in Maricopa County: up to 6% as a second loan, forgivable or with payments depending on the option; no first-time buyer requirement
What it gives, per the source
Borrowers Get up to 6%. … Qualified homebuyers receive assistance for down payment and closing costs, plus a loan with a competitive interest rate.
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- Its site does not confirm
Run by Maricopa County Industrial Development Authority and The Industrial Development Authority of the City of Phoenix
Verified November 5, 2026
No program matches your search.
Rent help
Help with rent and utility bills in Arizona
2 programs we checked in Arizona to pay rent, power or gas, or avoid an eviction, with what each page says.
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Rental Assistance (Maricopa County Human Services)
Run by Maricopa County Human Services Department, Senior Services and Community Resilience Division · Maricopa County, except Glendale, Mesa, and Phoenix
Maricopa County help with the deposit or the month's rent for people who live outside Glendale, Mesa and Phoenix and went through a crisis
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Emergency Housing and Utilities Assistance
Run by City of Phoenix Human Services Department · Phoenix, Maricopa County
City of Phoenix emergency help to avoid an eviction, move or pay utilities if you are in a crisis
Limited funds remain, per the source
See details
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Arizona?
Of the 2 programs on this page, none requires it, or their pages do not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 2. Ask the participating lender directly before you start, and ask for it in writing.