Tucson & Pima County, Arizona

Best Down Payment Assistance Programs in Tucson (2026), Ranked

The Tucson and Pima County down payment assistance programs worth knowing — ranked by how much they pay, how they are structured, and which buyer each one fits best.

By the Cook Brothers Mortgage Team · Last updated August 2026

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The best down payment assistance program in Tucson for most buyers is the Pima Tucson Homebuyer’s Solution. It offers 2% to 5% of the loan amount (5% only with its EDGE rate buy-down) as a deferred second lien, publishes a 640 minimum credit score, has no first-time buyer requirement, and carries no purchase-price cap — the widest fit of any program on this list. From there, HOME Plus is the statewide fallback, the WISH grant offers the biggest single dollar figure (a match up to $32,837 that is never repaid), and City of Tucson HOME assistance helps lower-income first-time buyers close a smaller gap.

This ranked guide is the shopping companion to our complete Tucson down payment assistance programs reference. Below, each program is scored on what it pays, how it is structured, who it fits, and what to watch for, followed by a side-by-side comparison and a short “how to choose” section. Every figure is drawn from the administering agencies’ published materials; because income limits, caps, and grant funding update over time, confirm the current numbers with us before planning around them.

The Ranking: Tucson DPA Programs, #1 to #4

Ranked by real-world usefulness to the typical Pima County buyer: how much assistance you can realistically get, how few restrictions stand in the way, and how forgiving the repayment terms are.

Pima Tucson Homebuyer’s Solution

Best overall for most Tucson buyers

What it is: Pima County’s ongoing down payment assistance program from the Industrial Development Authorities of the City of Tucson and Pima County, run through the Pima Tucson Housing Innovation Hub. It ranks first here because it combines meaningful assistance with the fewest restrictions.
Assistance amount: Deferred assistance of 2% to 5% of the loan amount toward down payment and closing costs: up to 4% with the ADVANTAGE option, and 5% only with the EDGE rate buy-down. You make no monthly payments on it.
Structure & terms: A silent second lien with no monthly payment under both the ADVANTAGE and EDGE options. It is not a grant; when it comes due and how it is closed out at the end of the term are set in the program note, which your loan officer confirms for your option. Minimum credit score 640; maximum DTI 45%, or 50% with a 680+ score; pairs with FHA, VA, USDA-RD, Fannie Mae HFA Preferred and Freddie Mac HFA Advantage first mortgages.
Best for: Repeat buyers, move-up buyers, and first-timers alike — there is no first-time buyer requirement and no purchase-price cap, which is what sets it apart from every other program on this list.
Watch-outs: Income is applicant income figured under the loan agency’s rules, measured against one cap for every household size: $155,386 with FHA, VA, USDA-RD or Fannie Mae HFA Preferred, and $79,840 with the 80%-of-AMI conventional options (June 2026 limits). A higher assistance level can mean a higher rate on the first mortgage. Lighthouse is a separate first-time buyer program from the same IDAs that runs only in funding rounds, and the Hub listed its latest round as closed when we checked in October 2026.

See if I qualify for Pima Tucson Homebuyer’s Solution

Source: Pima Tucson Housing Innovation Hub (housinginnovationhub.org) / eHousingPlus

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HOME Plus (Arizona)

Best statewide option & fallback for repeat buyers

What it is: Arizona’s statewide down payment assistance program, administered by the Arizona Industrial Development Authority (Arizona IDA). Because it works everywhere in Arizona — including all of Pima County — it is the strongest backup when a buyer falls just outside a county-specific program’s limits.
Assistance amount: Up to 4% of the first-mortgage amount (in tiers) toward down payment and closing costs, as a second lien you take in one of two forms: forgivable or non-forgivable.
Structure & terms: The forgivable option is a deferred soft second with no interest and no payment, forgiven in full after 60 months and not before; a sale or refinance inside that window means repaying it. The non-forgivable option must be repaid. Arizona IDA sets a program minimum credit score and lenders can require more, so confirm the floor for your loan; homebuyer education required before closing for at least one borrower; pairs with FHA, VA, USDA, and Conventional loans (including Fannie Mae HFA Preferred and Freddie Mac HFA Advantage).
Best for: Non-first-time and repeat buyers — HOME Plus does not require first-time buyer status — and any buyer who wants a program that follows them anywhere in Arizona, not just Pima County.
Watch-outs: A borrower income limit applies (listed at $155,386 as of April 2026) and updates over time. Because it is a state program used one at a time as your primary DPA, it is generally not layered on top of another bond-backed program.

See if I qualify for HOME Plus (Arizona)

Source: Arizona IDA (homeplusaz.com)

WISH Grant

Best for maximum dollar assistance that’s never repaid

What it is: A Federal Home Loan Bank matched-savings grant offered locally to eligible first-time buyers through Family Housing Resources (FHR). Unlike the forgivable second liens above, WISH is a true grant — there is no lien and nothing to repay if you meet the program terms.
Assistance amount: A grant that matches a buyer’s own savings up to $32,837 — the largest single dollar figure available among the Tucson-area programs, though it depends on how much you have saved.
Structure & terms: A true grant that is never repaid (subject to a retention/occupancy period). It is layered on top of your first mortgage and, in some cases, alongside other local assistance.
Best for: Disciplined savers and first-time buyers who have set money aside — the match structure rewards buyers who already have savings to bring to the table.
Watch-outs: First-time buyer status and homebuyer counseling are required, and FHLBank grant funds are limited and released in funding rounds, so availability is not guaranteed at any given moment. Confirm current funding and enrollment windows before you count on it.

See if I qualify for WISH Grant

Source: Family Housing Resources (fhrtucson.org) / FHLBank

City of Tucson / Pima County HOME DPA

Best for lower-income first-time buyers

What it is: Locally funded assistance through the City of Tucson–Pima County HOME Consortium, administered by Family Housing Resources (FHR). It is smaller than the bond-backed programs but is built specifically for lower-income first-time buyers and can sometimes be combined with other help.
Assistance amount: 3.5% of the purchase price, up to a set cap (recently $3,700), toward down payment, closing costs, or prepaids.
Structure & terms: A deferred/forgivable HOME loan with no monthly payment that is forgiven over a set period. Homebuyer counseling is required.
Best for: First-time buyers at or below 80% of Pima County area median income (AMI) who need a smaller amount to close the gap, or who want to layer local help with another source.
Watch-outs: The income ceiling (80% AMI, by household size) is tighter than the bond programs, the dollar cap is modest, and it is limited to the City of Tucson and the Pima County HOME service area. Amounts and caps are set by the administering agency and change over time.

See if I qualify for City of Tucson / Pima County HOME DPA

Source: Family Housing Resources (fhrtucson.org) / City of Tucson

Rankings reflect general fit for a typical Pima County buyer, not a guarantee of eligibility or benefit. Program terms are set by the administering agencies and can change as funding and Pima County area median income update. Assistance amounts shown are program maximums, not guarantees of what any individual buyer will receive.

Side-by-Side Comparison

The four best Tucson and Pima County DPA programs at a glance.

Program	Assistance	Structure	Credit Floor	First-Time?	Income Limits
Pima Tucson Homebuyer’s Solution	2%–5% of loan (5% with EDGE buy-down)	silent second; note sets when it is due	640	Not required	$155,386 or $79,840 by loan type; same for any household size
HOME Plus (Arizona)	Up to 4% of loan amount	Forgivable after 60 months, or non-forgivable	Program floor; lenders may require more	Not required	$155,386 borrower limit (Apr 2026)
WISH Grant	Up to $32,837 (savings match)	True grant — never repaid	Lender-set	Required	FHLBank / FHR program limits
City of Tucson HOME DPA	3.5% up to ~$3,700	Deferred/forgivable HOME loan	Lender-set	Required	At or below 80% of Pima County AMI

These income limits work differently. The Homebuyer’s Solution and HOME Plus each use caps that stay the same whatever your household size (the Homebuyer’s Solution by loan type, HOME Plus on the borrowers’ income statewide), while the City of Tucson HOME and WISH limits follow Pima County area median income (AMI). For the full breakdown of every program’s rules, see the complete Tucson DPA programs guide, or run your numbers in the Tucson DPA calculator.

Not sure which program fits? Take the 60-second eligibility check.

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How to Choose the Right One

A simple decision order most Tucson buyers can follow.

1
Start with the Homebuyer’s Solution if you can
For most Tucson and Pima County buyers, the Pima Tucson Homebuyer’s Solution is the default: 2% to 5% of the loan (5% only with its EDGE buy-down), no first-time requirement, and no purchase-price cap. Rule it in or out first.
2
Fall back to HOME Plus if a county limit stops you
If your income or the property sits just outside a Pima County program’s box, HOME Plus is statewide with assistance of up to 4% of the loan — a clean plan B that works anywhere in Arizona.
3
Chase WISH if you’ve saved and you’re a first-time buyer
If you have real savings and qualify as a first-time buyer, the WISH grant can match up to $32,837 that never has to be repaid — the biggest dollar figure here, when funding rounds are open.
4
Use City of Tucson HOME to close a smaller gap
For lower-income first-time buyers (80% AMI or below), the City of Tucson / Pima County HOME loan adds a modest amount that can sometimes layer with other help.
5
Match the program to your first mortgage
FHA needs 3.5% down, and the assistance can be applied toward it and eligible closing costs, though you may still need funds of your own. A DPA-experienced lender weighs each assistance level against the first-mortgage terms that come with it.

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Best Tucson DPA Programs: FAQs

What is the best down payment assistance program in Tucson?

For most buyers, the Pima Tucson Homebuyer’s Solution is the best all-around Tucson down payment assistance program. It offers 2% to 5% of the loan amount (5% only with its EDGE rate buy-down) as a deferred second lien with no payment, publishes a 640 minimum credit score, has no first-time buyer requirement, and carries no purchase-price cap — so it fits repeat buyers as well as first-timers. Buyers who fall outside a Pima County limit often turn to HOME Plus (statewide, up to 4%), while first-time buyers with savings may pursue the WISH grant, which can match up to $32,837 that is never repaid.

Which Tucson DPA program gives the most money?

It depends on how you measure it. By percentage, the Pima Tucson Homebuyer’s Solution leads at up to 5% of the loan amount with its EDGE rate buy-down, while HOME Plus tops out at 4%. By single dollar figure, the WISH grant is the largest — it can match a buyer’s savings up to $32,837 and is never repaid — but the amount depends on how much you have saved, and grant funding is released in limited rounds. The right "most" for you depends on your savings, income, and which program you qualify for.

Do I have to be a first-time buyer to use these programs?

Not for the two largest programs. The Pima Tucson Homebuyer’s Solution has no first-time buyer requirement, and Arizona’s HOME Plus is open to repeat buyers. The WISH grant and the City of Tucson / Pima County HOME assistance are generally first-time only, though housing programs usually treat anyone who has not owned a home in the past three years as a first-time buyer.

What credit score do I need for the best Tucson DPA programs?

The Pima Tucson Homebuyer’s Solution publishes a 640 minimum credit score. HOME Plus has its own program minimum, and lenders can set a higher floor, so we confirm the number for your loan. Credit floors for the locally funded HOME and WISH programs are generally set by the participating lender. If you are below a program’s floor, it is still worth checking your options before ruling yourself out.

Which program is best if I am not a first-time buyer?

The Pima Tucson Homebuyer’s Solution and HOME Plus are both open to repeat and non-first-time buyers. The Homebuyer’s Solution is usually the first choice within Pima County because it also has no purchase-price cap, while HOME Plus is the statewide fallback that follows you anywhere in Arizona.

Do I have to pay Tucson down payment assistance back?

It depends on the program. The Pima Tucson Homebuyer’s Solution second has no monthly payment, and the program note decides when it must be paid back; we confirm those terms for the option you use. The City of Tucson HOME assistance is a deferred/forgivable loan forgiven over a set period, and selling or moving out early can trigger repayment. HOME Plus works differently: its forgivable option is forgiven only once the loan reaches 60 months, so a sale or refinance before then means repaying all of it, and its non-forgivable option is repaid. The WISH grant is a true grant that is not repaid at all, subject to its retention period.

Can I combine more than one Tucson DPA program?

Sometimes. Layering local assistance — for example, a HOME-funded second alongside another source — is possible in specific cases, but each program has its own rules and not every pairing is allowed. The bond-backed programs (Pima Tucson Homebuyer’s Solution and HOME Plus) are generally used one at a time as your primary DPA. A DPA-experienced lender can map your file against each program’s current guidelines to see what stacks.

What loan types work with these programs?

The Pima Tucson Homebuyer’s Solution pairs with FHA, VA, USDA-RD, Fannie Mae HFA Preferred and Freddie Mac HFA Advantage loans, and HOME Plus with FHA, VA, USDA, and conventional loans. FHA is a popular pairing because it requires 3.5% down, and the assistance can be applied toward that and eligible closing costs, though you may still need funds of your own. The locally funded HOME and WISH assistance layer on top of your first mortgage as well.

How current are these program numbers?

The figures on this page are drawn from the administering agencies’ published materials. The Pima Tucson Homebuyer’s Solution and Lighthouse details were checked against the Housing Innovation Hub and eHousingPlus in October 2026; the rest were last reviewed in July 2026. Income limits, dollar caps, and grant-funding availability change over time, so confirm the current numbers for your household size and situation before you plan around them.

Last updated August 2026.

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