Surprise Down Payment Assistance
Surprise is one of the fastest-growing cities in Arizona with excellent new construction options. HOME Plus offers up to 4% of the first-mortgage amount toward a Surprise purchase.
Why Buy in Surprise?
Surprise Housing Market
How to Get Surprise DPA
Check Your Eligibility
Take our 60-second quiz to see if you qualify for HOME Plus DPA in Surprise. Borrower income (only the people on the loan) must be at or under $155,386, and your credit score has to meet the program minimum and any lender requirement, which we confirm when we review your file.
Get Pre-Approved
We'll help you get pre-approved for a mortgage + DPA. This shows Surprisesellers you're a serious buyer.
Close on Your Surprise Home
Receive HOME Plus assistance at closing, sized as a percentage of your first-mortgage amount (up to 4%), so the exact figure is set once your loan amount is. On the forgivable option there is no monthly payment, and the second lien is forgiven in full after 60 months; sell or refinance before then and it is repaid. A non-forgivable option is also available.
Surprise DPA FAQs
What's the maximum DPA for Surprise?
HOME Plus provides up to 4% of your first-mortgage amount. The dollar figure follows the loan you take, not the Surprise sale price, and it appears on your Loan Estimate once the loan amount is set.
Do I have to be a first-time buyer to get Surprise DPA?
No! HOME Plus is available to all buyers, not just first-time home buyers. Repeat buyers can qualify too.
What areas of Surprise are eligible?
All ZIP codes in Surprise and throughout Maricopa County are eligible for HOME Plus down payment assistance.
Ready to Buy in Surprise?
Take 60 seconds to check your eligibility for HOME Plus assistance of up to 4% of your first-mortgage amount on a Surprise home.
Check My Eligibility