Tucson Down Payment Assistance Programs

The City of Tucson–Pima County HOME Consortium offers down payment and closing cost assistance to low-income homebuyers purchasing throughout the City of Tucson and Pima County. CIC Tucson administers the program. Buyers must contribute at least $5,000 of their own funds (gifts allowed). Program details updated April 2026. Amount: Up to $50,000 (or 20% of purchase price, whichever is less). Type: Deferred Loan. Income limit: 80% AMI. More info: https://cictucson.org/downpayment-assistance/.

Get 4% of the total mortgage amount as cash up front for your down payment. This grant is fully forgivable, meaning you don't have to pay it back as long as you stay in the home. Amount: 4% of loan amount. Type: Forgivable Grant (forgivable). Income limit: Varies. More info: https://cictucson.org/pimatucson-lighthouse/.

Arizona's statewide down payment assistance program. Provides a silent second mortgage of 2–5% of the loan amount that is fully forgiven after 5 years (60 months). If you sell or refinance before 60 months, the remaining balance must be repaid. Available statewide including all of Tucson — no purchase price limits. Amount: Up to 5% of loan amount. Type: Forgivable Silent Second (forgivable). Income limit: $155,386 (statewide, effective April 6, 2026). More info: https://homeplusaz.com/home-plus-dpa/.

A comprehensive mortgage loan program for qualifying homebuyers in Pima County. Combines a first mortgage with down payment assistance. No purchase price limits. Amount: Up to 5% of loan amount. Type: Soft Second Mortgage. Income limit: Varies by household size. More info: https://pimaida.org/programs-and-impact/pima-tucson-homebuyers-solution/.

Pima County's local version of the Arizona Is Home program, administered by the Pima IDA in partnership with the City of Tucson. Provides $15,000 as a 30-year forgivable second mortgage for qualifying first-time buyers in Pima County. Note: the statewide Arizona IDA version of Arizona Is Home is not available in Pima County — this is the Pima-specific program. Amount: $15,000 forgivable second mortgage. Type: Forgivable Loan (30-Year) (forgivable). Income limit: 120% of Area Median Income. More info: https://pimaida.org/programs-and-impact/arizona-is-home/.

A loan program created to expand home financing options for families at or below 140% of the median household income level in Tucson. Amount: Varies. Type: Special Loan Program. Income limit: 140% of median income. More info: https://gowestfoundation.org/tucson-welcome-home-credit-union-program/.