100% combos, grants, and $0-down paths: the programs helping Arizona families buy their first home.
Last updated: October 2026
Check Eligibility — FreeThese are the options that actually work here. No fine print.
100% financing: 96.5% FHA + a second lien for the 3.5%. No income limits.
See details → Check eligibility0% second lien, deferred and forgivable. Zero monthly payment on the second.
See details → Check eligibilityYou put 1%, the program gifts 2% up to $7,000. Conventional.
See details → Check eligibility1% down + 2% gift up to $6,000 in eligible areas.
See details → Check eligibility100% financing, $0 down, no monthly PMI for veterans, active-duty and eligible spouses.
See details → Check eligibilityFind down payment help in your city.
What Arizona families ask us most.
Less than most people think. With a 1% down grant you put 1% and the program gifts 2%; with 100% combos or VA, the down payment can be $0.
Not for every program. Some grants target first-time buyers, but our 100% combos have no first-time-buyer requirement.
Yes. Our programs work statewide — Phoenix, Tucson, Mesa, and everywhere in between.
Tell us where you want to buy and we will tell you which programs fit — free, no obligation.
Call us: (949) 253-3480