Buyer assistance
Educational overview of Scottsdale and Arizona down payment assistance, grant-style programs, lender credits, builder incentives, FHA, VA, and low-down-payment options.
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Many buyers assume they need 20 percent down, but that is not always true. Depending on loan type, income, property, location, credit profile, military service, and current program availability, buyers may have several ways to reduce upfront cash needs.
The Arizona Department of Housing describes Arizona is Home as down payment assistance for first-time homebuyers in Maricopa and Pima Counties, with income and program requirements. Assistance may be structured as a silent second mortgage and must be verified before making a purchase plan.
Arizona Industrial Development Authority resources describe HOME Plus as a home buyer down payment assistance program. Program matrices, participating lenders, loan options, and assistance amounts can change, so current lender confirmation is essential.
HUD recommends buyers learn what they can afford, shop for a loan, understand rights and protections, consider FHA and special homebuying programs, get inspections, and use HUD-approved housing counseling when helpful.
Depending on the transaction, buyers may explore low-down-payment conventional loans, FHA loans, VA loans for eligible service members, seller concessions, lender credits, builder incentives, employer relocation benefits, and gift funds.
Scottsdale buyer help
Sharon Terhune with eXp Realty can help you compare homes, neighborhoods, new builds, resale properties, and purchase steps before you make decisions under pressure.
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