Arizona Home Plus: Down Payment Assistance for Arizona Buyers
One of Arizona's most popular programs — covering up to 5% of your loan amount for down payment and closing costs. Find out if you qualify.
What Is the Arizona Home Plus Program?
The Arizona Home Plus program is a state-sponsored down payment assistance (DPA) program offered through the Arizona Department of Housing (ADOH). It pairs a 30-year fixed-rate mortgage with a grant or second mortgage that covers 3–5% of the loan amount — money you can use toward your down payment or closing costs. Unlike many assistance programs, Home Plus does not require repayment as long as you stay in the home for a qualifying period.
Arizona Home Plus Loan Requirements
How the Assistance Works
Get Pre-Approved
Work with an approved lender (like Amber Tanner) to get pre-approved for a Home Plus mortgage.
Complete Homebuyer Education
Take a short online homebuyer education course — typically 4–8 hours and available 24/7.
Find Your Home
Shop for a qualifying primary residence in Arizona within the program's purchase price limits.
Close & Receive Assistance
At closing, the DPA funds are applied directly — no out-of-pocket down payment required in many cases.
Ready to Use Arizona Home Plus?
I'm an approved Arizona Home Plus lender serving Phoenix, Chandler, Gilbert, Scottsdale, and the entire East Valley. Let's find out if you qualify — it takes about 60 seconds.