Arizona program
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Open Doors provides down payment and closing cost assistance up to 10% of the home purchase price.
Deferred second mortgage
Funds are provided as a 0% deferred payment loan with no monthly principal payments. The city page says the loan is fully forgiven after the affordability period and becomes due on sale, change in residency, or refinance during the affordability period.
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First-time homebuyers purchasing in Phoenix, Income-qualified households at or below 80% of AMI
Open Doors provides down payment and closing cost assistance up to 10% of the home purchase price.
Funds are provided as a 0% deferred payment loan with no monthly principal payments. The city page says the loan is fully forgiven after the affordability period and becomes due on sale, change in residency, or refinance during the affordability period.
Complete the required eight-hour pre-purchase homebuyer education course and one-on-one counseling from a HUD-approved housing counseling agency, then buy an eligible home in Phoenix under the city rules.
The current City of Phoenix page says Open Doors provides down payment and closing cost assistance, requires households to earn at or below 80% of AMI, caps assistance at up to 10% of the purchase price, and structures the assistance as a 0% deferred payment loan with full forgiveness after the affordability period.
2026-04-19
Effective date not captured.
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Amount: Open Doors provides down payment and closing cost assistance up to 10% of the home purchase price.
Repayment: Funds are provided as a 0% deferred payment loan with no monthly principal payments. The city page says the loan is fully forgiven after the affordability period and becomes due on sale, change in residency, or refinance during the affordability period.
First-time buyer: Required
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