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?
City of Flagstaff employees in non-temporary positions for at least 12 consecutive months, Applicants whose most recent performance evaluation meets or exceeds expectations and who are not on a performance work plan
What support do you get?
Up to $20,000 in 2:1 matching assistance for down payment and closing costs. The buyer can contribute up to $10,000 and unlock up to $20,000 in city assistance.
Do you repay it?
The city describes the assistance as an interest-free deferred-payment loan. Up to $10,000 is forgiven on a pro rata basis over 10 years of continued City employment and owner occupancy. Any unforgiven balance is due at sale, cash-out refinance, employment termination, or loss of owner occupancy.
How do you apply?
Download the pre-purchase application from the city's Homebuying Assistance page, complete Housing Solutions of Northern Arizona's online homebuyer education course and one-on-one counseling before signing a purchase contract, and submit the application to Housing Solutions by email, mail, or in person.
Application timing
Applicants must complete HSNA's online homebuyer education course and one-on-one counseling before signing a purchase contract; after a completed pre-purchase application is received, HSNA schedules the counseling appointment.
Official source evidence
As of 2026-04-21, current City of Flagstaff pages say EAH is active for eligible City employees, provides up to $20,000 in 2:1 matching assistance, has no income limits, requires purchase within Flagstaff city limits, and forgives up to $10,000 over 10 years of continued employment and owner occupancy.
View official source
Last verified
2026-04-21
Effective date not captured.
Paid preview
What paid access adds for City of Flagstaff Employer Assisted Housing Program
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
City of Flagstaff Employer Assisted Housing Program
Amount: Up to $20,000 in 2:1 matching assistance for down payment and closing costs. The buyer can contribute up to $10,000 and unlock up to $20,000 in city assistance.
Repayment: The city describes the assistance as an interest-free deferred-payment loan. Up to $10,000 is forgiven on a pro rata basis over 10 years of continued City employment and owner occupancy. Any unforgiven balance is due at sale, cash-out refinance, employment termination, or loss of owner occupancy.
First-time buyer: Unknown
Timing: Applicants must complete HSNA's online homebuyer education course and one-on-one counseling before signing a purchase contract; after a completed pre-purchase application is received, HSNA schedules the counseling appointment.
Risk checks preview
What gets flagged before you call a lender
- City of Flagstaff Employer Assisted Housing Program can trigger repayment on sale or refinance.
Lender questions preview
Questions tied to this exact path
- Which events trigger repayment for City of Flagstaff Employer Assisted Housing Program: sale, refinance?
- What occupancy period must be completed before City of Flagstaff Employer Assisted Housing Program is forgiven after 120 months?
Action checklist preview
What you would do next
- Review the official Program page for City of Flagstaff Employer Assisted Housing Program
- Carry the lender question kit for City of Flagstaff Employer Assisted Housing Program
