Pathway to Purchase Down Payment Assistance

No down payment?  No problem!




Pathway to Purchase is a new program offering down payment assistance to home buyers who will purchase in specific areas.


The Arizona Department of Housing (ADOH), acting jointly with the Arizona Home Foreclosure Prevention Funding Corporation (AHFPFC) and the Arizona Housing Finance Authority (AzHFA), to provide down payment assistance to qualified homebuyers purchasing a primary residence in targeted zip codes within 12 Arizona cities.  The assistance is an incentive to purchase in targeted housing markets that have been hardest-hit by foreclosures.


The “Pathway to Purchase” (P2P) Down Payment Assistance Program offers a 30-year fixed-rate mortgage with Down Payment Assistance (DPA) as a second mortgage of up to 10% of the purchase price. The DPA second mortgage is a five–year forgivable lien against the subject property at a 0% interest rate and requires no monthly payments.  The down payment assistance (DPA) can be used toward the down payment and / or closing costs. DPA is only available in conjunction with a P2P first mortgage and is funded by AHFPFC / AzHFA at the mortgage loan closing. 


Pathway to Purchase Program Highlights:


  • Property must be an owner occupied as a primary residence in targeted areas

  • Borrower(s) income not to exceed $92,984.

  • Purchase price cannnot exceed $371,936.

  • Existing properties only, no new construction.

  • The DPA (down payment assistance) provided is 10% of the purchase price * up to a maximum of $20,000.

  • Fannie Mae HFA Preferred mortgages only.

  • The P2P Program is strictly limited to targeted zip codes in the cities of:

    • Bull Head City, Casa Grande, Glendale, Green Valley, Kingman, Phoenix, Rio Rico, Sahuarita, Sierra Vista, Tucson, Vail and Yuma.

    • Each borrower must complete a homebuyer education course before closing.  


Homebuyers MUST work through one of ADOH (AZ department of Housing) approved and participating mortgage lenders.  The lender is the Buyers contact throughout the process works and works with them qualify for a mortgage and their registration for the down payment assistance grant.


For more information from a qualified loan professional request Lender Contact referencing Pathway to Purchase in the subject line.


Additional links:

Home in 5

Arizona Home Financing


AZ Rent to Own Homes

USDA Home Loans


Arbor Realty


Karen Peyton, Associate Broker

"Because someday begins today."