Tucson, AZ Area Down Payment Assistance Programs Available

There is free money available in Southern Arizona. Unreal! I'm serious. Free money! Down payment assistance programs are readily avilable for those who qualify. Buying a home in the Tucson, AZ area has never been easier. Rates are low! Money is cheap! Get money from the goverment to buy a home.

Home ownership is the foundation of building wealth. Home ownership builds pride in oneself and one's neighborood. It builds stability. It builds wealth. And, it gives you a place to live that's truly your own.

Here's a brief synopsis of the home ownership programs called Down Payment Assistance Programs (D.P.A.) offered through the State of Arizona and Pima County (where greater-Tucson is located).

The following chart is provided as a summary of the basic qualifying features of the most popular Arizona down payment assistance programs. These programs are made available to help responsible Arizona home buyers who struggle to save for a down payment buy a home with as little money out of pocket as possible. More detail of each program is provided in the content below.

UPDATED FOR 2018

PROGRAM NAME	COUNTY SERVED	MINIMUM CREDIT SCORE	MAXIMUM INCOME AMOUNT	MAXIMUM PURCHASE PRICE
Home Plus	All Counties other than Pima	640	92,984	371,936
Home in Five	Maricopa	640	92,980	371,930
Pima Tucson Homebuyer's Solution	Pima	640	88,950	No Limit

Pima County (Greater Tucson, AZ Area)

The following programs provide different amounts of downpayment assistance depending on homebuyer income levels and the location of the home being purchased:

Tucson/Pima County "HOME" Downpayment Assistance Program

The City/County Downpayment Assistance Program is available for first time homebuyers purchasing throughout the City and the County (excluding Tribal lands). This Downpayment Assistance Program fact sheet (English) or (Spanish) details program guidelines and agencies that administer funds.

Pima County Community Land Trust

The Pima County Community Land Trust (PCCLT) is a non-profit community based organization which is selling beautifully remodeled homes to income eligible homebuyers. Our mission is the permanent stewardship of land for the community benefit and the preservation of the affordability of housing on the land. For more information visit the Pima County Community Land Trust website or call (520)603-0587.

Mortgage Credit Certificate (MCC)

These certificates provide federal income tax credits for interest paid on home mortgages, effectively lowering mortgage interest rates by 20%.

Community Investment Corporation administers the MCC program for Rural Pima County and the cities of South Tucson, Marana, Oro Valley, and Sahuarita.

Pima Tucson Homebuyer's Solution Program

The Pima Tucson Homebuyer's Solution Program provides 3%, 4% or 5% down payment assistance. This program is made possible by the Industrial Development Authorities of the County of Pima and the City of Tucson, Arizona.

USDA Rural Development

The United States Department of Agriculture Rural Development provides single family home direct loan and grant programs.

I'm not a lender, but I work with a cadre of trusted professionals that I would be glad to share with you. I'm a real estate professional, and would love to work with you.

Please don't hesitate to contact me. Evenings and Weekends are fine. I'm available to answer any questions you may have. Gregory Richman, RichmanTucsonHomes, grichman@RichmanTucsonHomes.com, 520-248-1239

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