Down Payment Assistance

"Putting Families in Homes"

Down Payment Assistance Programs

Down payment assistance grants are available through some amazing FHA programs in Arizona. These programs are designed to help individuals who are missing a down payment. Down Payment Programs are reliant on government programs, government grants, and non-profit organizations to keep these programs funded. As with all government programs they are subject to budget cuts and can retire with very little notice. 

How much of a down payment can I receive?

The amount of the down payment assistance grant/gift can vary from county to county in Arizona. The range is between 3% to 5% of the purchase price of the home and and tops out about $18,500 in assistance. Again Your County and Purchase price along with credit all play factors. The best part about grants/gifts is in most cases they do not have to be repaid.

Down Payment Assistance 

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Down Payment Program

First Time Buyers Can use these Programs Too!

If you have not owned a home in the last 3 years, you are considered a first-time home buyer. First time home buyers are able to take advantage of down payment assistance programs. In fact, these grants are designed to assist people in purchasing a home that would not be able to buy.

Down Payment is one of the largest factors that prohibit people from buying a home. Most banks do not have loan programs to accommodate clients without a down payment. We will explain the program fully and show you how you can use down payment program  along with the right loan programs designed for first-time buyers.

How Down Payment Assistance Works

There are many down payment assistance programs available in all areas of Arizona. The government provides these programs to increase the number of homeowners and stabilize the housing market. Because of these programs, the rate of home ownership has increased throughout the state of Arizona.


Please apply early as there are usually a large number of applicants!

Why Banks Don't offer this?

I went to my local bank and they did not have any of these programs available. I asked why? they replied that banks do not provide down payment assistance loan products because they are considered high risk. Banks consider it a high risk when a buyer has no financial investment in the home purchase (no skin in the game). Banks will always ask you for a down payment biased on a percentage of the purchase price.

Looking for a loan you don't have to make a down payment? 

The programs and lenders that we work with DO NOT require that you make a down payment which allows these programs to make the down payment for you. Your down payment is covered through grants and gifts set aside by the local government.

Hard to get the paperwork filled out?

So that you get an answer quickly, we have you fill out 1 form it takes about 3 to 5 minutes and most people receive same day service. We work hard to get you approved and make sure that all the T’s are crossed and the I’s are dotted with all government paperwork. We will review your individual needs and recommend a program especially for your situation.

Funds for Down Payment Assistance Programs 

Funds were still available as of Sunday 02/18/2018 for the Down Payment Assistance programs in Arizona. If you would like to know all of the criteria, please complete the form below for a free evaluation. 

Frequently asked: 

Below are some of the more frequently asked questions regarding the Federal Assistance Down Payment Programs. If you have a specific need that doesn't fit in the box below or you have additional questions, you will want to connect with one of our advisors at 480-292-8288. Please ask to speak with Ryan or Stu. You have the option of submitting the online form and once it is completed, someone will reach out to you.

  1. Multiple down payment programs available (giving us more ways to get you approved)
  2. No cost to get you Approved with program
  3. Less than perfect credit can qualify 620 Credit Needed 
  4. Programs to fit many income ranges. NO Cap on income
  5. Must be used to purchase a primary residence in Arizona
  6. Typical closing happens in approximately 30 days
  7. This is not a hard money loan or private money loan.
  8. First time home buyers benefits are available.
  9. This is not limited to first time home buyers.
  10. Situation …? Yes they will allow for some situations

Our home buyers that have used FHA Loan Program

They made everything so easy. I did not even have to go to their offices till I was ready to close. They do this electronic signature where they walked me through all the forms over the phone and I signed them with my computer.

Kevin From Phoenix

I want to thank “Jessie” my DPA Advisor  I thought that I would never be able to buy a home after My bankruptcy and he got it done. I was amazed that after everything I moved in the home for $5.37 cents. The title company Gave me a check at closing for my earnest money deposit that I had given the seller to hold and a second check to cover all but $5  of the appraisal fee. So for the cost of lunch at Mc D’s, $5 I moved into my home.

Bill from Tempe

This is a Great Program, I bought the home I was renting and it was 45 days before my first payment was due. It was like skipping a rent payment and right at the Holidays. Now I am buying something that will be mine and just as they said... $135 was my total out of pocket cost to buy the home and my payment are less than my rent. I could hardly believe it!!

William From Chandler

Well I want to Thank Chris He was my Advisor, He was very professional to work with. I have to Say that I had skepticism going into this home purchase and that I would be approved for this Gov. Grant and did not have to repay the Grant. I thought that there would be additional hoops to jump through and long processing time. Well I was wrong, this is a very well Orchestrated operation and I was closed in 27days after finding my home. They handled everything, they worked with my realtor to have the seller pay my closing cost. I got my earnest money back at closing. All I can say is Thank you!

Katherine From Chandler

I want to thank you so much, without you showing me how to get this loan and Grant money, I would still be renting. Everything went so smooth, and they kept me informed the whole way. I closed on my home in May and the fees were exactly what they told me they were. I really got a great deal on my house because of my realtor Scott. We were closed in 20 days. All my friend ask me how I got the money for the down payment, I just let them know these guys are "Home Pros" and have all the answers.

Rachel from Mesa

“I thought I made too much money to qualify for Down Payment Assistance”

Mark from Tempe



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Down Payment Program


Geneva Financial LLC does Business in Accordance With the Federal Fair Housing Law.  Geneva Financial LLC is not acting on behalf of or at the direction of HUD/FHA or the Federal Government.  Geneva Financial LLC is approved to participate in FHA programs but the products and services performed by Geneva Financial LLC are not coming directly from HUD or FHA.

Contact your loan officer for more information.

Stu Harris Branch Manager | Direct Line 480-292-8288 | LO NMLS: 381429 | BK 0910215

 GENEVA FINANCIAL LLC | NMLS 42056 |  1018 E. Guadalupe Road Tempe, AZ  85283

NMLS Consumer Access 

Stu Harris Branch Manager NMLS 381429 Geneva Financial LLC

Down Payment Assistance 

0 Down for Veterans Loan 

Chenoa Housing Down Payment Program 

First time Home Buyers 


Harris Way Team