Phoenix, AZ · Down Payment Assistance
Down Payment Assistance in Phoenix, AZ
Phoenix buyers face rising prices but have strong $0-down options — including Arizona-specific HFA programs on top of the national combos.
Programs available in Phoenix
FHA 100% Combo — $0 down
FHA first at 96.5% plus a second for the 3.5%. No income cap, 600 minimum credit. Works in Phoenix, Mesa, Chandler, Glendale, Scottsdale.
V1-FAST 100 — $0 down, forgivable second
3.5% second at 0%, deferred and forgiven over time while owner-occupied.
1% Down Grant — 2% free
You put 1%, the program grants 2% up to $7,000. Conventional, income ≤ 80% AMI, max loan $350,000.
What Phoenix buyers ask most
- Can I buy in Phoenix with $0 down? Yes — the national combos work across the Valley.
- Are there Arizona-specific programs? Yes — Arizona HFA programs exist alongside the national options. We compare both for your situation.
- What about HOAs? Many Phoenix communities have HOAs — the dues count in your qualifying payment.
How to start
Send the 60-second eligibility form: your target area in Phoenix, income range, and credit estimate. We'll match you to every program that fits — and tell you honestly if the math doesn't work yet.
Buying in Phoenix? Check your eligibility for $0-down and 1%-down programs before you start touring homes. Check my eligibility →