Arizona DPA Blog

The 2026 HOME Plus income limit is $155,386 of borrower income in every Arizona county. How the limit works, whose income counts, and options if you're over.

Can you combine gift funds with Arizona down payment assistance? How gift letters, seller concessions, and DPA can work together on one purchase.

Which income counts toward the Arizona DPA limit? How lenders calculate qualifying income for HOME Plus, from overtime to self-employment.

Arizona DPA programs require a homebuyer education course. Learn what it covers, how long it takes, when to take it, and how to get your certificate.

HOME Plus's forgivable second is forgiven in full after 60 months. See what happens if you sell or refinance sooner, the non-forgivable option, and PTHS.

HOME Plus pairs Arizona DPA with FHA, VA, USDA, or conventional loans. Compare credit requirements and mortgage insurance to pick the right loan type.

How to use a DPA calculator to estimate your Arizona down payment assistance, which inputs matter, and how to verify results before you make an offer.

First-time homebuyer loans in Gilbert, AZ: compare FHA, VA, USDA, and conventional options and pair them with up to 4% in HOME Plus assistance in 2026.

What is AZIDA? The Arizona Industrial Development Authority runs HOME Plus, which offers up to 4% in down payment assistance on Arizona home loans.

You don't have to be a first-time buyer to get Arizona down payment assistance. HOME Plus and PTHS are available to repeat buyers. Here's how it works.

How credit scores work for Arizona down payment assistance, why the HOME Plus minimum and a lender's minimum can differ, and steps to strengthen your score.

Complete guide to Arizona down payment assistance income limits for all 15 counties. HOME Plus limit is $155,386 statewide. PTHS varies by household size.

Compare Arizona's two main down payment assistance programs: HOME Plus and Pima Tucson Homebuyer's Solution. Learn which DPA program offers the best benefits for your situation.

Arizona DPA for 2026: HOME Plus gives up to 4% statewide with a forgivable or non-forgivable second, plus Pima Tucson options, income limits and rules.