Save Thousands with AzHFA Programs
Arizona Housing Finance Authority programs can provide up to $15,000 in down payment assistance, below-market interest rates, and reduced mortgage insurance costs to help make homeownership affordable.
Key Benefit: Many AzHFA assistance programs are deferred payment loans with 0% interest, only due when you sell or refinance.
What is the Arizona Housing Finance Authority?
The Arizona Housing Finance Authority (AzHFA) is a state agency dedicated to creating and preserving affordable homeownership opportunities throughout Arizona. Established to help Arizona residents achieve the dream of homeownership, AzHFA offers several loan programs with significant benefits.
Todd Uzzell Home Loans is an approved AzHFA lender with extensive experience helping Arizona families access these valuable programs. We guide you through the entire process, from determining eligibility to closing your loan.
Official Website: www.azhousing.gov
Maximum Down Payment Assistance
Interest on Deferred Assistance
Minimum Credit Score
Financing Available
Arizona Housing Finance Authority Loan Programs
🏠 HOME Plus Program
The most popular AzHFA program offering substantial down payment and closing cost assistance
Assistance Amount
3-5% of loan amount
Repayment
Deferred (0% interest)
Use
Down payment & closing costs
Key Features:
- • Can be combined with FHA, VA, USDA, or conventional loans
- • Assistance is a deferred payment loan - no monthly payment required
- • Only repaid when you sell, refinance, or pay off the first mortgage
- • May be forgivable after certain period (program-dependent)
🎯 PathwayToPurchase Program
Designed specifically for first-time homebuyers with competitive rates and assistance
Credit Score
640 minimum
Down Payment
As low as 3%
Homebuyer Status
First-time buyers
Benefits Include:
- • Interest rates typically 0.5-1% below market rates
- • Can be combined with down payment assistance
- • Flexible credit requirements
- • Available statewide
🌟 Step-Up Program
For move-up buyers who have owned a home before but need assistance
Previous Ownership
Allowed
Assistance
Up to 4% of loan
Income Limits
Moderate income
Perfect For:
- • Previous homeowners who sold and rented
- • Buyers upgrading to larger homes
- • Those who've experienced financial recovery
- • Families needing more space
🇺🇸 Native American Direct Loan Program
Special financing for tribal members on and off reservation lands
Eligibility
Tribal membership
Location
On/off reservation
Rates
Competitive
Why Choose AzHFA Programs?
Substantial Assistance
Up to $15,000 in down payment and closing cost assistance with deferred payment options
Lower Rates
Below-market interest rates and reduced mortgage insurance costs save you money monthly
Education & Support
Required homebuyer education ensures you're prepared for successful homeownership
Arizona Housing Finance Authority Eligibility Requirements
AzHFA programs have specific requirements to ensure assistance goes to those who need it most. Here's what you need to qualify:
Income Requirements
- Income Limits: Vary by county and household size
- Maricopa County: Up to $91,200 (2-person household)
- Pima County: Up to $76,800 (2-person household)
- Rural Counties: Generally lower limits
- All Income: All household members' income counted
Note: Limits typically 80-120% of Area Median Income (AMI)
Credit Requirements
- Minimum Score: 620 (most programs), 640 (some)
- Recent History: Clean credit for past 12 months
- Bankruptcies: Must be discharged for 2+ years
- Foreclosures: 3+ years since completion
- DTI Ratio: Typically 45% or less
First-Time Buyer Status
- Definition: No homeownership in past 3 years
- Exceptions: Single parents qualify regardless
- Displaced Homemakers: Also qualify
- Step-Up Program: Repeat buyers allowed
- Verification: Documented with closing disclosure
Property Requirements
- Purchase Price Limits: Vary by county
- Maricopa: Up to $445,000
- Pima: Up to $398,000
- Property Type: Must be primary residence
- Condition: Must meet lending standards
📋 Additional Requirements
Homebuyer Education
Must complete an approved homebuyer education course before closing. Online and in-person options available.
Primary Residence
Property must be your primary residence. Investment properties and second homes do not qualify.
Occupancy Timeline
Must occupy the home within 60 days of closing and maintain as primary residence.
Loan Seasoning
Some programs require 5-year occupancy or assistance becomes due upon sale/refinance.
2025 Arizona County Income & Purchase Price Limits
| County | Income Limit (2-Person) | Purchase Price Limit | Major Cities |
|---|---|---|---|
| Maricopa | $91,200 | $445,000 | Phoenix, Scottsdale, Mesa, Chandler |
| Pima | $76,800 | $398,000 | Tucson, Oro Valley, Sahuarita |
| Coconino | $78,000 | $420,000 | Flagstaff, Sedona |
| Yavapai | $72,000 | $385,000 | Prescott, Prescott Valley |
| Mohave | $65,600 | $345,000 | Lake Havasu, Kingman, Bullhead City |
| Pinal | $68,400 | $365,000 | Casa Grande, Apache Junction |
*Limits shown are for 2-person households. Larger households have higher income limits. Contact us for specific limits for your household size and county.
How AzHFA Down Payment Assistance Works
Get Pre-Qualified
Work with an approved AzHFA lender (like Todd Uzzell Home Loans) to determine your eligibility and assistance amount.
Complete Homebuyer Education
Take a required homebuyer education course (typically 6-8 hours online or in-person) to learn about homeownership responsibilities.
Find Your Home
Shop for homes within the purchase price limits for your county. Your lender provides a pre-approval letter.
Apply for AzHFA Loan
Submit your full mortgage application with AzHFA program selection. Assistance is calculated and documented.
Close on Your Home
At closing, the down payment assistance is provided as a subordinate loan with deferred payment (no monthly payment required).
Repay When You Sell or Refinance
The assistance loan is only repaid when you sell the home, refinance, or pay off the first mortgage. Some programs offer forgiveness after a period.
AzHFA vs. Other Down Payment Assistance Programs
| Feature | AzHFA Programs | Local Programs | Federal Programs |
|---|---|---|---|
| Assistance Amount | Up to $15,000 | $2,500-$10,000 | Varies widely |
| Availability | Statewide | Limited areas | Varies |
| Funding | Consistent | Often limited | Program-dependent |
| Repayment | Deferred, 0% interest | Varies | Varies |
| Education Requirement | Required | Sometimes | Rarely |
Why Arizona Homebuyers Choose AzHFA Programs
Average Down Payment Assistance
Helping buyers overcome the biggest hurdle
Average Rate Reduction
Below-market rates save thousands
Arizona Families Helped
Successful homeowners statewide
Ready to Access Up to $15,000 in Down Payment Assistance?
Discover if you qualify for Arizona Housing Finance Authority programs today
Contact Our AzHFA Specialists:
📞 480-330-1724 | ✉️ [email protected]
Arizona Communities We Serve
Our AzHFA loan specialists serve homebuyers throughout Arizona with expertise in local income and purchase price limits.
And all communities throughout Arizona's 15 counties
Related Resources
💰 Down Payment Assistance
Explore all Arizona assistance programs
🏠 First-Time Buyer Programs
Programs designed for first-time buyers
🏦 FHA Loans
Low down payment federal loans
🧮 Mortgage Calculator
Estimate your monthly payments
📈 Improve Your Credit
Tips for better credit scores
🌐 AzHFA Official Site
Visit the official AzHFA website