Blog > What Down Payment Assistance Programs Are Available for Maricopa, AZ Homebuyers in 2025-26?
What Down Payment Assistance Programs Are Available for Maricopa, AZ Homebuyers in 2025-26?
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What Down Payment Assistance Programs Are Available for Maricopa, AZ Homebuyers in 2025-26?
As a Maricopa real estate expert since 2002, I've helped thousands of buyers navigate down payment assistance programs. With Maricopa's median home price around $360,000, coming up with a 5% down payment ($18,000) plus closing costs can be challenging. Here's what's actually available for Pinal County buyers in 2025.
Verified 2025 Down Payment Assistance Programs
HOME Plus Program
Assistance Amount: Up to 5% of the loan amount (4% standard + 1% for military)
Income Limits (2025): Varies by county - Pinal County limit approximately $136,000 for 1-2 person households
Credit Score: Minimum 640
Forgiveness Timeline: 3-year forgiveness period (pro-rated if sold earlier)
Current Status: Available statewide including Maricopa/Pinal County
HOME in Five Advantage
Assistance Amount: Up to 5% of loan amount (6% for educators, first responders, military)
Income Limits: Varies by household size - typically $100,000+ for Pinal County
Credit Score: Minimum 640-660 depending on program
Forgiveness Timeline: 5-year forgiveness period
Current Status: Available in participating Arizona counties
2025 Income Limits for Pinal County
| Household Size | Maximum Income (Approx.) |
|---|---|
| 1-2 people | $136,000 |
| 3+ people | $156,000 |
Why Maricopa is a Smart Investment
Compared to Phoenix metro areas, Maricopa offers:
- Lower utility costs with ED3, Global Water, and Southwest Gas
- More affordable housing options
- Strong community growth and development
- Easy commute access to Phoenix
Step-by-Step Guide to Accessing Assistance
- Check Your Eligibility: Review income limits and credit requirements
- Complete Homebuyer Education: Most programs require a HUD-approved course
- Get Pre-Approved: Work with a lender experienced in DPA programs
- Find Your Home: Search within program price limits
- Apply Early: Funding is often limited
Common Questions
Can I use these programs with any type of loan?
Most programs work with FHA, VA, USDA, and conventional loans. Specific requirements vary by program.
What's the difference between forgivable and deferred loans?
Forgivable loans disappear over time if you stay in the home. Deferred loans must be repaid when you sell or refinance.
Are there first-time homebuyer requirements?
Most programs require you to be a first-time buyer (not owned a home in 3 years), but some make exceptions for targeted areas or professions.
Get Started Today
Use our Maricopa Mortgage Calculator to estimate your payments with down payment assistance. Then explore new construction options or current market listings.
Ready to explore your options? Schedule a consultation to discuss which programs you may qualify for.
This is for informational and educational purpose and things can change quickly. Always consult with a skilled mortgage lender for latest updates.