🏡 Arizona First-Time Buyers: Significant Down Payment Assistance Available — Limited Program Funds, Act Now
Arizona Down Payment Assistance 2026

Stop Renting.
Start Owning.

Thousands of Arizona first-time buyers are getting into homes with little to zero out-of-pocket — using grant and assistance programs most lenders never tell you about.

✓
Thousands in down payment + closing cost help available
✓
No repayment required on select grant programs
✓
620+ credit score may qualify — even with past challenges
✓
Close in as little as 21 days on qualifying transactions
Find My Down Payment Grant → View All Programs
Arizona DPA Funds Are Limited
Find out what you qualify for before it's gone. 4 quick questions. No credit pull.
A
M
J
Arizona buyers checked eligibility this week

Secure & Encrypted
Response within 1 hour
No credit pull
By submitting, I agree to be contacted by Todd Des Marais (NMLS #2748322), Movement Mortgage, via phone, text, or email, including automated or prerecorded means, at the number/address provided. Consent is not a condition of purchase or obtaining any service. Message & data rates may apply.
5%+
Grant Assistance Available
620+
Minimum Credit Score
5+
Active AZ Programs
21
Days to Close
Arizona DPA Programs 2026

Find the Right Program
for Your Situation

Not all assistance programs are created equal. I'll match you with the one that saves you the most money.

Most Popular
🏆
HOME Plus Program
Up to 5% of the loan amount — no repayment
Arizona's flagship grant program. Funds are a true gift — never repaid — and can cover your entire down payment on most purchase prices.
  • No repayment ever required
  • Works with FHA, VA, USDA, Conv.
  • 620+ credit score
  • Income limits apply by county
🌟
Pathway to Purchase
Up to $20,000 forgivable 2nd mortgage
A targeted program for buyers in specific Arizona zip codes. Forgiven after 5 years if you stay in the home.
  • Forgiven after 5-year stay
  • Select AZ zip codes only
  • 640+ credit score
  • Primary residence only
🏛️
ADOH Assistance
Up to $15,000 Arizona Dept. of Housing
State-administered program with flexible guidelines. Great for moderate-income buyers who don't qualify elsewhere.
  • Flexible income guidelines
  • Deferred payment structure
  • First-time buyers preferred
  • Statewide availability
🎖️
VA + DPA Combo
$0 Down + Assistance for eligible veterans
Veterans and active duty can stack VA's zero-down benefit with Arizona grants to cover closing costs entirely.
  • Zero down payment required
  • Stack grants for closing costs
  • No PMI ever
  • Competitive VA rates
🌾
USDA Rural Program
100% Financing eligible rural Arizona areas
Covers communities like Queen Creek, Maricopa, Coolidge, and more. Zero down with income-based qualification.
  • No down payment needed
  • Many Phoenix suburbs qualify
  • Below-market interest rates
  • Low mortgage insurance
💡
Conventional + Grant
Up to 3% grant on conventional loan
Prefer a conventional loan? Stack a 3% grant to cover the down payment while avoiding FHA mortgage insurance costs.
  • Avoid FHA mortgage insurance
  • 660+ credit score preferred
  • Higher purchase price limits
  • Great for higher-credit buyers

Program terms, income limits, funding availability, and assistance amounts are subject to change without notice and may vary by county, household size, and loan type. Not all buyers will qualify for all programs. Contact Todd for current program details.

The Process

How It Works

Four simple steps from conversation to keys in hand. I guide you every step of the way.

1
Free Eligibility Call
We spend 15 minutes reviewing your income, credit, and goals to identify which programs you qualify for.
2
Program Selection
I build you a side-by-side comparison of your top programs showing real monthly payments and cash needed.
3
Get Pre-Approved
Submit your application. Most pre-approvals are issued within 24 hours, giving you real buying power.
4
Close & Celebrate
We coordinate everything — title, assistance funds, inspections — and get you to the closing table in as little as 21 days on qualifying transactions. Typical timeframes vary.
Why Work With Me

An Arizona Expert
in Your Corner

I specialize exclusively in Arizona first-time buyers and DPA programs. This isn't a sideline — it's my entire focus.

🎯

DPA Specialist

I know every active Arizona assistance program — who qualifies, how to stack them, and which to avoid.

⚡

Fast Pre-Approvals

Movement Mortgage's 6-hour underwriting means your offer looks as strong as an all-cash buyer's.

📞

Real Availability

Call, text, or email directly — no call centers, no runaround. Evenings and weekends when buyers need answers.

🏡

Buyer Education Focus

I run live webinars and offer tools that make sure you understand every dollar before you sign anything.

T
Todd Des Marais
Mortgage Loan Originator
NMLS #2748322 | Movement Mortgage | AZ Licensed
A Greater Phoenix-area specialist focused entirely on helping first-time buyers navigate Arizona's down payment assistance landscape. I combine deep program knowledge with a no-pressure, educator-first approach — because an informed buyer is a confident buyer.
📞
Call or Text — (253) 266-2741
✉️
todd.desmarais@movement.com
🏠
movement.com/lo/todd-desmarais
Client Stories

Arizona Buyers Who Made It Happen

★★★★★

"Working with Todd at Movement Mortgage as first-time home buyers in Arizona was the best decision we could have made. He patiently explained the entire process, helped us understand the Arizona market, and guided us through every step without any pressure. He found us an amazing starter home in the Phoenix area that fit our budget perfectly. If you're buying your first home in Arizona, I can't recommend him enough — he truly made what could have been stressful actually exciting!"

Sarah & Mike T.
Phoenix, AZ · First-Time Buyers
★★★★★

"As first-time buyers in Arizona, we were overwhelmed by the process — pre-approval, inspections, closing costs, and the competitive market here. Todd walked us through everything with clear communication and expert knowledge of the local market. He coordinated seamlessly with the title company and their support made us feel confident and informed the whole way. Highly recommend for anyone buying their first home in the Valley!"

Jessica R.
Gilbert, AZ · First-Time Buyer
★★★★★

"Buying our first home in Arizona felt intimidating until we connected with Todd at Movement Mortgage. He knows the Arizona real estate market inside and out. He helped us secure a beautiful townhome in Mesa within our price range and even connected us with a great local inspector. The entire experience was smooth, educational, and stress-free. If you're a first-time buyer in Arizona, Todd is the professional you want on your side!"

David C.
Mesa, AZ · First-Time Buyer
Common Questions

Questions First-Time
Buyers Always Ask

Do I have to be a first-time homebuyer? +
Not always. Many programs define "first-time buyer" as someone who hasn't owned a primary residence in the last 3 years. If you owned a home 4+ years ago, you may still qualify. We'll review your specific situation on the call.
Will this affect my interest rate? +
Some programs have a slightly higher rate to fund the grant — but many buyers find the payment is still less than what they were paying in rent. I'll show you a side-by-side comparison so you can decide what makes financial sense.
Is this too good to be true? Do I have to pay it back? +
Programs like HOME Plus are true grants — no repayment, ever. Other programs like Pathway to Purchase are forgivable loans that disappear after 5 years. I'll explain every repayment obligation (or lack thereof) upfront before you commit.
What credit score do I need? +
Most programs require a 620–640 minimum. If your score is lower, I can often point you toward a credit-building plan that can get you ready to buy in 3–6 months. Let's talk — it's never too early to start.
How long does the process take? +
Movement Mortgage is known for fast closings. With our 6-hour underwriting process, most buyers get pre-approved within 24 hours of submitting documents, and we routinely close in 21 days on qualifying transactions — giving you a competitive edge over other buyers. Actual timeframes vary based on property, title, and program.
Are there income limits? +
Yes, most programs have income limits that vary by county and household size. In Maricopa County, limits are generous enough that most working households qualify. The best way to know for sure is to spend 15 minutes on a call with me.

Ready to Stop Paying Your
Landlord's Mortgage?

Let's find out exactly what you qualify for — no credit pull, no pressure, no obligation. A 15-minute call could change everything.

Find My Down Payment Grant → 📞 Call or Text Todd — (253) 266-2741
Find My Down Payment Grant →