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Arizona program

Community Homebuyer Assistance Program (CHAP)

Arizona route through City of Flagstaff Housing Section. 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 Multiple repayment paths 2026-04-19
Agency City of Flagstaff Housing Section
Support type Multiple assistance options
Amount highlight CHAP has two live paths: Option 1 provides up to $50,000 in matching funds for down payment and closing costs, while Option 2 provides assistance equal to 30% of the purchase price in exchange for permanent affordability restrictions.
Last verified 2026-04-19

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CHAP has two live paths with different income caps, assistance structures, and resale rules.

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Arizona program hub

Amount

CHAP has two live paths: Option 1 provides up to $50,000 in matching funds for down payment and closing costs, while Option 2 provides assistance equal to 30% of the purchase price in exchange for permanent affordability restrictions.

Type

Multiple assistance options

Repayment

Option 1 is a deferred city loan with no monthly payments while owner-occupied and is repaid on sale, transfer, cash-out refinance, or loss of owner-occupancy through an equity-share formula. Option 2 does not require cash repayment, but the home stays permanently affordable through a 99-year renewable ground lease or deed restriction and the seller keeps only up to 25% of market appreciation.

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 purchasing within Flagstaff city limits, Income-qualified households using CHAP Option 1 at or below 150% of AMI, Income-qualified households using CHAP Option 2 at or below 125% of AMI

What support do you get?

CHAP has two live paths: Option 1 provides up to $50,000 in matching funds for down payment and closing costs, while Option 2 provides assistance equal to 30% of the purchase price in exchange for permanent affordability restrictions.

Do you repay it?

Option 1 is a deferred city loan with no monthly payments while owner-occupied and is repaid on sale, transfer, cash-out refinance, or loss of owner-occupancy through an equity-share formula. Option 2 does not require cash repayment, but the home stays permanently affordable through a 99-year renewable ground lease or deed restriction and the seller keeps only up to 25% of market appreciation.

How do you apply?

Submit the official pre-purchase application to Housing Solutions of Northern Arizona, then complete the one-on-one counseling and eligibility process for the CHAP pathway that fits your household.

Official source evidence

The current City of Flagstaff CHAP page says Option 1 offers up to $50,000 in matching deferred assistance, while Option 2 offers assistance equal to 30% of the purchase price in exchange for permanent affordability rules. The same page routes applicants to Housing Solutions of Northern Arizona through the official pre-purchase application.

View official source

Last verified

2026-04-19

Effective date not captured.

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Comparison preview

Community Homebuyer Assistance Program (CHAP)

Amount: CHAP has two live paths: Option 1 provides up to $50,000 in matching funds for down payment and closing costs, while Option 2 provides assistance equal to 30% of the purchase price in exchange for permanent affordability restrictions.

Repayment: Option 1 is a deferred city loan with no monthly payments while owner-occupied and is repaid on sale, transfer, cash-out refinance, or loss of owner-occupancy through an equity-share formula. Option 2 does not require cash repayment, but the home stays permanently affordable through a 99-year renewable ground lease or deed restriction and the seller keeps only up to 25% of market appreciation.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • Community Homebuyer Assistance Program (CHAP) can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Which events trigger repayment for Community Homebuyer Assistance Program (CHAP): sale, refinance, transfer?
  • How does Community Homebuyer Assistance Program (CHAP) define a first-time buyer for this household?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply.
  • Review the official Program page for Community Homebuyer Assistance Program (CHAP).
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What paid research already covers in Arizona

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city and county programs

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1 tracked

employer-assisted paths

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