Tucson Down Payment Assistance Programs
Discover how Tucson-area home buyers can receive up to 5% in down payment and closing cost assistance through Arizona programs.
Tucson DPA Programs
Two primary programs serve Tucson and Pima County home buyers.
Pima Tucson Lighthouse
For First-Time Buyers
- 4% of the loan amount in assistance
- Forgivable after 3-5 years of occupancy
- 0% interest, no monthly payments
- Works with FHA, VA, and Conventional loans
- 640 minimum credit score
Note: First-time buyer status required (haven't owned a home in 3 years).
Home Plus Arizona
For All Buyers
- Up to 5% of the loan amount
- Forgivable after 5 years
- 0% interest, no monthly payments
- Works with FHA, VA, USDA, and Conventional
- 640 minimum credit score
Best for: Repeat buyers or those with higher incomes who don't qualify for Pima Tucson Lighthouse.
Eligibility Requirements
Most Tucson-area buyers who meet these criteria can qualify for assistance.
Credit Score
Minimum credit score of 640 for most programs. Some nationwide options accept 600+.
Income Limits
Income must fall within Pima County limits based on household size and program.
Property Type
Single-family homes, townhomes, and condos are eligible. Must be primary residence.
Homebuyer Education
HUD-approved homebuyer education course required (available online).
DPA by Tucson Area
Explore down payment assistance options in specific Tucson-area communities.
Tucson
The second largest city in Arizona offers a robust housing market with median home prices significantly lower than Phoenix. Multiple DPA programs serve the greater Tucson area.
Oro Valley
An upscale Tucson suburb known for excellent schools and mountain views. Home Plus Arizona works well for buyers here due to its flexible income limits.
Marana
The fastest-growing community in the Tucson metro, with abundant new construction and master-planned communities within DPA price limits.
Sahuarita
A family-oriented community south of Tucson with affordable housing and excellent schools. Most homes fall within DPA limits.
Vail
Growing community southeast of Tucson, famous for its top-rated school district. Popular with families using DPA programs.
Check Your Eligibility Today
Take our free 60-second quiz to see which Tucson DPA programs you may qualify for. No credit check required, no obligation.
Cook Brothers Mortgage Team at Cornerstone First Mortgage | NMLS #173855