HOME Plus
Arizona IDA · Statewide
Offers assistance of up to 4% of the loan as a second loan that is forgiven at year 5, with no first-time buyer requirement and a homebuyer education course required.
First-Time Buyers
Down payment assistance is real money, but it is not one program. It is thousands of local, state, and national ones, and the fine print decides whether a program helps you. This page is the starting map.
Down payment help depends on where you buy. Start with your ZIP.
2,833
assistance programs nationwide
About $18,000
the average benefit from a down payment assistance program
38%
of programs are open to repeat buyers too, not just first-time buyers
Figures: Down Payment Resource, Q3 2026.
Down Payment Help
Assistance pairs with a first mortgage, and the repayment terms can be very different from one program to the next. Not all help is free money. Ask what you repay, when you repay it, and what happens if you sell or refinance.
Arizona IDA · Statewide
Offers assistance of up to 4% of the loan as a second loan that is forgiven at year 5, with no first-time buyer requirement and a homebuyer education course required.
Phoenix IDA and Maricopa County IDA · Maricopa County
Offers down payment assistance as a second loan with forgivable options, with no first-time buyer requirement and an 8-hour homebuyer education course required.
City of Phoenix Housing Department · Phoenix only
A deferred loan at 0% interest for up to 10% of the price, forgiven after the affordability period, for first-time buyers at or below 80% of area median income who complete a class and one-on-one counseling. Funds are limited, and the program is subject to change.
CBC Mortgage Agency · A national program, not a government program
Pairs with an FHA loan to add 3.5% or 5% assistance as a second loan, forgivable or repayable, with no income limits and no first-time buyer requirement.
VA and USDA · No separate assistance program needed
VA loans let eligible veterans buy with 0% down and no monthly mortgage insurance, and USDA loans offer 0% down in eligible rural areas where income limits apply.
Utah Housing Corporation
FirstHome is the first loan for first-time buyers, and the DPA second loan can cover up to 6% as a repayable second, or up to 3.5% deferred with no monthly payment, paired with Utah Housing first loans for first-time and repeat buyers.
State of Utah
A $2,500 grant for currently serving military members and recently discharged veterans buying their first Utah home, while funds last.
Alabama Housing Finance Authority
Assistance of 4% of the price, up to $10,000, as a 10-year second loan paired with an AHFA first mortgage, with homebuyer education required. Huntsville families, this is yours.
Tennessee Housing Development Agency
The down payment half of the Great Choice loan: up to 5% of the price, up to $15,000, as a second loan repaid monthly over 30 years, or a smaller deferred option repaid when you sell or refinance, with homebuyer education required.
Many programs require a homebuyer education course, and most help arrives as a second loan; some are forgiven over time, others are repaid.
Programs change, funds run out, and every one has fine print. The list above is a starting map, not a promise. Text Oliver your ZIP and he will check what is live for your area.
Start the application, or just start the conversation. Either way, you get a straight answer about what is possible.
Apply Now