Arizona Housing Finance Authority First-Time Homebuyer

Arizona Housing Finance Authority (AZHFA)

Available Down Payment

About This Program

Down payment assistance for first-time homebuyers in Arizona purchasing in Cottonwood. Offers forgivable second mortgages and low-interest first mortgages with competitive rates. Must complete homebuyer education.

Down payment assistance as forgivable second mortgage

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to $15,000 down payment assistance
  • Must be first-time homebuyer
  • Income limits apply (varies by household size)
  • Must complete homebuyer education course
  • Year-round applications

How to Apply

Get free help applying Visit Official Program Page Track this program

(602) 771-1000

A grant-savvy contractor in Cottonwood, AZ can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Year-round, subject to funding

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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