Homeownership builds real wealth — through equity, borrowing power, and long-term financial independence. But for most Arizona renters, the biggest obstacle isn't qualifying for a mortgage. It's coming up with the down payment.

The Arizona IDA's HOME Plus DPA Program exists to remove that obstacle.

HOME Plus pairs a 30-year fixed-rate mortgage with up to 4% in down payment assistance — money you can apply toward your down payment, closing costs, or both. If you've been waiting until you've saved enough, you may not have to wait any longer.