Buying a home in Arizona with little money saved for a down payment? These programs help eligible buyers with the down payment and closing costs: HOME Plus, Home in Five Advantage, and City of Phoenix Open Doors. Each gives you a second mortgage with 0% interest and no monthly payments. Program terms and funding change; figures verified November 5, 2026. Call or text Sady Flynn at (480) 678-1005.
Help with the money you need upfront to buy a home — the down payment and closing costs — through a second mortgage with 0% interest and no monthly payments.
No. It is a loan. Some programs forgive it over time if you stay in the home. Others are repaid when you sell or refinance. None of the programs on this page is a grant.
It depends on the program. HOME Plus does not require it. Open Doors does. Home in Five Advantage depends on the option you choose.
HOME Plus: up to 4% of your mortgage. Home in Five Advantage: 3% to 6%. Open Doors: up to 10% of the home price. The exact amount depends on your loan and the program's rules.
A participating lender reviews your income, credit, and the home. Every program requires a homebuyer education class. Minimum credit scores are 620 for HOME Plus and 640 for Home in Five Advantage.
Talk to Sady. She connects you with a trusted local lender who confirms which programs you qualify for before you tour homes.
Buying a home in Arizona with little money saved for a down payment? These programs help eligible buyers with the down payment and closing costs. A participating lender reviews your income, credit, and the home you want, and confirms which program you qualify for — before you tour homes.
Down payment assistance is not free money. Each program gives you a second mortgage — a loan with 0% interest and no monthly payments. Some are forgiven over time if you stay in the home. Others are repaid when you sell or refinance. Every program requires a homebuyer education class, and a participating lender confirms whether you qualify.
Anywhere in Arizona
Maricopa County
City of Phoenix only
Help with the money you need upfront to buy a home — the down payment and closing costs — through a second mortgage with 0% interest and no monthly payments.
No. It is a loan. Some programs forgive it over time if you stay in the home. Others are repaid when you sell or refinance. None of the programs on this page is a grant.
It depends on the program. HOME Plus does not require it. Open Doors does. Home in Five Advantage depends on the option you choose.
HOME Plus: up to 4% of your mortgage. Home in Five Advantage: 3% to 6%. Open Doors: up to 10% of the home price. The exact amount depends on your loan and the program's rules.
A participating lender reviews your income, credit, and the home. Every program requires a homebuyer education class. Minimum credit scores are 620 for HOME Plus and 640 for Home in Five Advantage.
Talk to Sady. She connects you with a trusted local lender who confirms which programs you qualify for before you tour homes.
Tell me a little about your plans and I'll follow up with the programs that fit and trusted lenders who work with them.
Program terms and funding change. The figures on this page were verified on November 5, 2026. A participating lender confirms your eligibility and the current terms before you apply.
Call or text (480) 678-1005, email sadyf443@gmail.com, or send a message through the contact form. Sady guides you through every step, in English and Spanish.