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Arizona program

Arizona is Home (ADOH Maricopa/Pima continuation)

Arizona route through Arizona Department of Housing. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Multiple assistance options Occupancy-based silent second 2026-04-19
Agency Arizona Department of Housing
Support type Multiple assistance options
Amount highlight Current Arizona is Home materials now split by county delivery path: the Maricopa County delivery page says buyers can choose down payment and closing cost assistance of 3%, 4%, 5%, or 6% with a 7-year forgivable second loan, while the Pima County delivery page says qualified buyers in Tucson and Pima County can receive up to $15,000 in down payment assistance.
Last verified 2026-04-19

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Arizona program hub

Amount

Current Arizona is Home materials now split by county delivery path: the Maricopa County delivery page says buyers can choose down payment and closing cost assistance of 3%, 4%, 5%, or 6% with a 7-year forgivable second loan, while the Pima County delivery page says qualified buyers in Tucson and Pima County can receive up to $15,000 in down payment assistance.

Type

Multiple assistance options

Repayment

The Arizona Department of Housing page says Arizona is Home is offered as a silent second mortgage due on sale if the home is sold before the end of the loan term. The current Maricopa delivery page says assistance is an interest-free forgivable second mortgage with no payments unless the home is sold, transferred, or refinanced before month 84, while the Pima delivery page says assistance is a forgivable 30-year second lien with no payments and no interest.

First-time buyer

Required

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

First-time homebuyers who have not owned residential real estate in the last three years, Arizona residents with at least six months of residency, Homebuyers purchasing in Maricopa County, Homebuyers purchasing in Pima County

What support do you get?

Current Arizona is Home materials now split by county delivery path: the Maricopa County delivery page says buyers can choose down payment and closing cost assistance of 3%, 4%, 5%, or 6% with a 7-year forgivable second loan, while the Pima County delivery page says qualified buyers in Tucson and Pima County can receive up to $15,000 in down payment assistance.

Do you repay it?

The Arizona Department of Housing page says Arizona is Home is offered as a silent second mortgage due on sale if the home is sold before the end of the loan term. The current Maricopa delivery page says assistance is an interest-free forgivable second mortgage with no payments unless the home is sold, transferred, or refinanced before month 84, while the Pima delivery page says assistance is a forgivable 30-year second lien with no payments and no interest.

How do you apply?

Use the Arizona Department of Housing county links to reach the active delivery channel, complete the required Arizona homebuyer education, and apply through a participating or approved lender serving the county where you plan to buy.

Official source evidence

The official Arizona Department of Housing page says the continuation of Arizona is Home serves first-time homebuyers in Maricopa and Pima Counties at or below 120% of AMI and uses a silent second mortgage structure. The current Maricopa delivery page offers 3% to 6% assistance with a 7-year forgivable second, and the current Pima delivery page offers up to $15,000 as a forgivable 30-year second lien.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for Arizona is Home (ADOH Maricopa/Pima continuation)

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

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Comparison preview

Arizona is Home (ADOH Maricopa/Pima continuation)

Amount: Current Arizona is Home materials now split by county delivery path: the Maricopa County delivery page says buyers can choose down payment and closing cost assistance of 3%, 4%, 5%, or 6% with a 7-year forgivable second loan, while the Pima County delivery page says qualified buyers in Tucson and Pima County can receive up to $15,000 in down payment assistance.

Repayment: The Arizona Department of Housing page says Arizona is Home is offered as a silent second mortgage due on sale if the home is sold before the end of the loan term. The current Maricopa delivery page says assistance is an interest-free forgivable second mortgage with no payments unless the home is sold, transferred, or refinanced before month 84, while the Pima delivery page says assistance is a forgivable 30-year second lien with no payments and no interest.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • Arizona is Home (ADOH Maricopa/Pima continuation) requires a participating lender.
  • Arizona is Home (ADOH Maricopa/Pima continuation) can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Does Arizona is Home (ADOH Maricopa/Pima continuation) require a participating lender for this household and loan setup?
  • Which events trigger repayment for Arizona is Home (ADOH Maricopa/Pima continuation): sale, refinance, transfer?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply.
  • Confirm whether Arizona is Home (ADOH Maricopa/Pima continuation) requires a participating lender.
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Paid research preview

What paid research already covers in Arizona

Paid research already tracks city and county programs, employer-assisted paths for Arizona.

3 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

2 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

See deeper Arizona leads

Private workspace

What paid access adds to this program

The free page gives you the public facts. Paid access turns this program into a shortlist item, comparison row, risk check, and lender-call prep surface.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.

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Decision output

Comparison, risk checks, and lender prep

Use the paid layer for side-by-side comparison, overlap checks, lender questions, and next-step notes tied to this exact program.

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