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Arizona program

City of Tucson Down Payment Assistance Program

Arizona route through City of Tucson Housing and Community Development. 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.

Deferred second mortgage Check official rules 2026-04-21
Agency City of Tucson Housing and Community Development
Support type Deferred second mortgage
Amount highlight Up to $50,000 or 20% of the contract sale price, whichever is less, based on affordability and household need.
Last verified 2026-04-21

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Amount

Up to $50,000 or 20% of the contract sale price, whichever is less, based on affordability and household need.

Type

Deferred second mortgage

Repayment

No monthly payments are required. If the home is sold or transferred during the affordability period, the DPA principal amount must be repaid. The October 2025 fact sheet shows affordability periods of 5 years for awards under $15,000, 10 years for awards from $15,000 to $40,000, and 15 years for awards above $40,000.

First-time buyer

Unknown

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?

Income-qualified households at or below 80% of AMI, Homebuyers purchasing within the City of Tucson or Pima County outside Tribal lands

What support do you get?

Up to $50,000 or 20% of the contract sale price, whichever is less, based on affordability and household need.

Do you repay it?

No monthly payments are required. If the home is sold or transferred during the affordability period, the DPA principal amount must be repaid. The October 2025 fact sheet shows affordability periods of 5 years for awards under $15,000, 10 years for awards from $15,000 to $40,000, and 15 years for awards above $40,000.

How do you apply?

Contact one of the City's participating partner agencies to apply, complete HUD-certified homebuyer counseling before signing a purchase contract, qualify for a mortgage that meets program standards with no adjustable-rate mortgage allowed, contribute at least $1,000, and clear City/County property review requirements.

Official source evidence

As of 2026-04-21, current Tucson/Pima materials say the program remains active, can provide up to $50,000 or 20% of the contract sale price with no monthly payments, requires partner-agency intake plus HUD-certified counseling, and uses 5-, 10-, or 15-year affordability periods depending on award size.

View official source

Last verified

2026-04-21

Last Revised: October 2025

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Comparison preview

City of Tucson Down Payment Assistance Program

Amount: Up to $50,000 or 20% of the contract sale price, whichever is less, based on affordability and household need.

Repayment: No monthly payments are required. If the home is sold or transferred during the affordability period, the DPA principal amount must be repaid. The October 2025 fact sheet shows affordability periods of 5 years for awards under $15,000, 10 years for awards from $15,000 to $40,000, and 15 years for awards above $40,000.

First-time buyer: Unknown

Risk checks preview

What gets flagged before you call a lender

  • City of Tucson Down Payment Assistance Program can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Which events trigger repayment for City of Tucson Down Payment Assistance Program: sale, transfer?
  • Which document version should control City of Tucson Down Payment Assistance Program right now: program guide, fact sheet, or lender packet?

Action checklist preview

What you would do next

  • Review the official Program page for City of Tucson Down Payment Assistance Program
  • Carry the lender question kit for City of Tucson Down Payment Assistance Program
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