Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

Arizona program

Arizona is Home (ADOH Maricopa/Pima continuation)

Arizona route through Arizona Department of Housing. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

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 stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Arizona program hub if you need the wider state context.

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

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

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.

Application timing

Apply through an approved lender; Maricopa/Phoenix AZ is Home locks are currently 45 days, while Pima/Tucson locks are submitted through eHousingPlus with confirmation within 1 hour and purchase required within 70 days of rate lock.

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.

Example paid output for this program. The free page stays visible either way.

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

Timing: Apply through an approved lender; Maricopa/Phoenix AZ is Home locks are currently 45 days, while Pima/Tucson locks are submitted through eHousingPlus with confirmation within 1 hour and purchase required within 70 days of rate lock.

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

  • Is your team approved to originate Arizona is Home (ADOH Maricopa/Pima continuation) 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
  • Review the official ADOH Arizona is Home page for Arizona is Home (ADOH Maricopa/Pima continuation)
Open the full Arizona board

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.

Open the full Arizona board

Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

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

Save and compare

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Full state board

See what this should be compared against

3 tracked deeper leads sit behind the full Arizona board around this program.

Open the full Arizona board

Risk and lender prep

Catch friction before you call

Use the paid layer for overlap checks, repayment friction, occupancy traps, and lender questions tied to this exact program.

Open shortlist

Action queue

Turn this page into next steps

Paid access turns the public facts into a follow-up list, lender-call order, and a clearer backup-path plan.

Open decision layer