Down Payment Assistance
The down payment is the hurdle for most buyers. There is help for it — if your lender knows where to look.
Arizona and Utah both offer down payment assistance programs — state, county, and city — that provide grants or second loans covering some or all of your down payment and closing costs. Many are paired with FHA, VA, or conventional first mortgages.
Not every lender offers them, and the rules change. We keep current on the programs available in Maricopa and Pinal counties and along the Wasatch Front, and we'll tell you plainly whether one is worth it for your situation.
Three steps, start to keys.
Eligibility check
Income, location, credit, and homebuyer education requirements.
Compare
Assistance often comes with a slightly higher rate. We show you the trade-off in real dollars.
Close
We coordinate the program's approval alongside your mortgage so nothing slows the closing.
Do I have to pay it back?
Depends on the program — some are grants, some forgivable over time, some repaid when you sell or refinance.
Is DPA only for first-time buyers?
Many programs aren't. "First-time" often means no ownership in the last three years.
Does DPA make my offer weaker?
Not if it's prepared correctly. We handle the paperwork so the seller sees a clean, pre-approved buyer.