Assistance toward cash needed
Some programs can help with a portion of down payment needs. They may be structured as grants, forgivable loans, deferred loans, or second mortgages.
Assistance options
Grant and down payment assistance options
Programs change often. Use this page to understand the categories to ask about, then verify current eligibility with approved lenders and official program sources.
Seller and program credits
Buyers may combine negotiated seller concessions, lender credits, or assistance funds depending on loan rules and program limits.
FHA and conventional options
FHA, conventional, VA, and other loan paths have different credit, debt-to-income, down payment, and property condition requirements.
Arizona resource
HOME Plus is a key statewide program to ask about.
Arizona buyers commonly ask lenders about the Arizona Industrial Development Authority HOME Plus program and approved lender participation. Eligibility, assistance amount, loan pairing, and funding availability can change.
Questions to verify
Ask about income limits, purchase price limits, first-time buyer rules, minimum credit score, debt-to-income limits, property type, occupancy requirements, homebuyer education, and repayment terms.
Important details
Grant money is not one-size-fits-all
Scottsdale-specific help
City housing resources may focus on broader housing affordability, rental assistance, rehabilitation, or community programs. Always confirm whether a buyer program is currently open and whether a Scottsdale purchase qualifies.
City of Scottsdale housing resourcesProgram caution
Assistance can affect interest rate, loan product, closing timeline, eligible properties, and offer strength. Compare the total cost, not just the upfront help.
See where grants fit in the processBuyer note
Verify before you shop.
Funding availability, rules, and lender participation can change quickly. Confirm current options before relying on a program in an offer.