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Open Doors Down Payment Assistance Program

Quick answer

Open Doors Down Payment Assistance Program is a Arizona down payment assistance program from City of Phoenix Housing Department. It provides Up to 10% of the home purchase price as a forgivable loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

0% interest deferred payment loan, no monthly payments, forgiven after affordability period (up to 15 years); purchase price cap $470,250; 2026 Open Doors income limits posted; open/closed status not stated on page.

Where does Open Doors Down Payment Assistance Program apply?

This city-level program is available to buyers in Phoenix. Cities on our site where it applies:

DetailProgram terms
AssistanceUp to 10% of the home purchase price
TypeForgivable loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limits80% AMI

How does Open Doors Down Payment Assistance Program work with an FHA loan?

Arizona's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.phoenix.gov/administration/departments/housing/housing-options/homeownership-opportunities.html. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Arizona down payment assistance programs

Frequently asked questions

Up to 10% of the home purchase price, according to City of Phoenix Housing Department.

It's a forgivable loan: forgiven if you meet the occupancy period, otherwise repaid.

80% AMI

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.