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First-Time Buyer loans in Arizona

Quick answer

First-time buyers in Arizona can use FHA (3.5% down), conventional 97 (3% down), VA or USDA loans, plus programs from Arizona Industrial Development Authority (HOME+PLUS). On a $358,900 home, 3% down is about $10,767.

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

First-Time Buyer loan snapshot for Arizona

ItemEstimate
Minimum down payment0%–3.5%
Minimum credit score580–620
Typical AZ home value$358,900
3.5% down on typical home$12,562
20% down on typical home$71,780
Avg. effective property tax0.52%/yr (~$155/mo)
Income for typical home (31% rule)$108,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Arizona programs pair with First-Time Buyer loans?

  • HOME+PLUS: A 30-year fixed loan paired with down payment and closing cost assistance (typically a percentage of the loan amount) for buyers under income limits.
  • Local city programs: Phoenix, Tucson and several counties run their own down payment assistance for qualifying first-time buyers.

Details and current limits: Arizona Industrial Development Authority (HOME+PLUS).

Compare first-time buyer loan options

LoanMin. downMin. creditMortgage insurance
FHA3.5%5801.75% upfront + annual MIP
Conventional 97 / HomeReady / Home Possible3%620PMI, removable
VA0%Lender-set (~580–620)None (funding fee)
USDA0%~6401% upfront + 0.35% annual

Who counts as a first-time home buyer?

Under HUD and most agency definitions, you're a first-time buyer if you haven't owned a principal residence in the last three years. Single parents and displaced homemakers who only owned with a former spouse may also qualify.

First-Time Buyer loans in Arizona cities

First-Time Buyer in PhoenixFirst-Time Buyer in TucsonFirst-Time Buyer in MesaFirst-Time Buyer in ChandlerFirst-Time Buyer in GilbertFirst-Time Buyer in GlendaleFirst-Time Buyer in ScottsdaleFirst-Time Buyer in PeoriaFirst-Time Buyer in TempeFirst-Time Buyer in SurpriseFirst-Time Buyer in San Tan ValleyFirst-Time Buyer in GoodyearFirst-Time Buyer in BuckeyeFirst-Time Buyer in YumaFirst-Time Buyer in AvondaleFirst-Time Buyer in FlagstaffFirst-Time Buyer in Casas AdobesFirst-Time Buyer in Queen CreekFirst-Time Buyer in MaricopaFirst-Time Buyer in Lake Havasu CityFirst-Time Buyer in Casa GrandeFirst-Time Buyer in MaranaFirst-Time Buyer in Catalina FoothillsFirst-Time Buyer in Prescott ValleyFirst-Time Buyer in Oro ValleyFirst-Time Buyer in PrescottFirst-Time Buyer in Sierra VistaFirst-Time Buyer in Bullhead CityFirst-Time Buyer in Apache JunctionFirst-Time Buyer in Sun CityFirst-Time Buyer in San LuisFirst-Time Buyer in El MirageFirst-Time Buyer in SahuaritaFirst-Time Buyer in KingmanFirst-Time Buyer in Fortuna FoothillsFirst-Time Buyer in Drexel HeightsFirst-Time Buyer in Sun City WestFirst-Time Buyer in FlorenceFirst-Time Buyer in Fountain HillsFirst-Time Buyer in AnthemFirst-Time Buyer in Rio RicoFirst-Time Buyer in Green ValleyFirst-Time Buyer in NogalesFirst-Time Buyer in New RiverFirst-Time Buyer in Flowing WellsFirst-Time Buyer in EloyFirst-Time Buyer in PaysonFirst-Time Buyer in DouglasFirst-Time Buyer in VailFirst-Time Buyer in Fort MohaveFirst-Time Buyer in Tanque VerdeFirst-Time Buyer in CoolidgeFirst-Time Buyer in SomertonFirst-Time Buyer in New Kingman-ButlerFirst-Time Buyer in Sierra Vista SoutheastFirst-Time Buyer in Sun LakesFirst-Time Buyer in Valencia WestFirst-Time Buyer in Chino ValleyFirst-Time Buyer in Tucson EstatesFirst-Time Buyer in Verde Village

Frequently asked questions

Yes. First-Time Buyer loans are available statewide in Arizona through approved lenders, subject to county loan limits where they apply.

Often yes. Arizona Industrial Development Authority (HOME+PLUS) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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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.