Down Payment Assistance Programs Arizona
Down payment assistance programs in Arizona provide grants or forgivable loans to help first-time homebuyers overcome the down payment barrier. Programs like Arizona Housing Finance Authority (AZFA) and state DPA initiatives help qualified borrowers purchase homes with minimal out-of-pocket costs. Contact Todd Uzzell at 480-330-1724 for fast pre-qualification and expert guidance.
Why Choose Down Payment Assistance Programs Arizona?
Up to 10% Down Payment Assistance
AZFA and DPA programs provide grants or forgivable loans covering 5-10% of purchase price. Combined with 3.5% FHA down, you can buy with 0% out-of-pocket.
Forgivable Loan Programs
Many DPA programs offer forgivable loans that don't require repayment if you stay in the home 5-10 years. If you sell or refinance within forgiveness period, repayment due.
Low Income Eligibility
AZFA programs serve borrowers up to 155% area median income. Most first-time buyers qualify. Check your income limits for your county.
Multiple Program Options
AZFA Down Payment Assistance, AHFA, grant programs, nonprofit assistance, and lender programs available. Todd Uzzell identifies programs matching your profile.
Combines with FHA & VA Loans
DPA programs work seamlessly with FHA (3.5% down) and VA (0% down) loans. Layering programs maximizes assistance and minimizes your costs.
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Free pre-qualification in 24 hours. No obligation, no credit check needed.
Start Your ApplicationSchedule Free ConsultationFrequently Asked Questions
What's the difference between DPA grants and loans?
DPA grants don't require repayment. DPA loans (soft seconds) must be repaid but are often forgivable after 5-10 years if you stay in home.
What are Arizona's DPA income limits in 2026?
AZFA program income limits approximately $155,000 for family of 4 in most Arizona counties. Limits vary by county and household size.
Can I combine down payment assistance with FHA loans?
Yes. Combining 3.5% FHA down + up to 10% DPA allows purchase with near-zero out-of-pocket. Perfect for buyers with no savings.
How long does DPA approval take?
DPA approval typically 2-4 weeks after mortgage application submitted. Todd Uzzell coordinates with DPA processors to expedite. Total timeline 30-45 days to closing.
Do I need to be a first-time homebuyer?
Most programs require first-time buyer status (no home ownership in past 3 years). Some special programs exist for displaced homeowners, teachers, or low-income buyers.
What if I don't qualify for AZFA?
Other options: nonprofit DPA programs, lender grants, employer assistance programs, family gifts. Todd Uzzell identifies alternative assistance.
Can I get DPA for an investment property?
No, DPA programs are for primary residences only. Investment property financing: conventional, portfolio, or DSCR loans.
Is DPA taxable income?
Generally no. Grants and forgivable loans are not considered taxable income if used for primary residence down payment and closing costs.
What are closing costs in Arizona?
Typical closing costs 2-5% of loan amount: appraisal, title insurance, lender fees, underwriting. DPA programs often cover some or all closing costs.
Will DPA delay my closing?
No. DPA coordination with mortgage underwriting is standard. Todd Uzzell manages timing to ensure smooth process without delays.
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About Todd Uzzell
Todd Uzzell (NMLS #1525192) is a licensed Arizona mortgage lender with Starboard Financial. Specializing in down payment assistance programs arizona throughout Arizona.
Contact Todd:
Phone: 480-330-1724
Email: todd.uzzell@gmail.com