Since 1999 the Ameridream Program has helped hundreds of thousands of people become homeowners. The Ameridream program provides up to 10% down payment for the buyer. This program requires seller involvement so it is important to discuss this option with your agent prior to making an offer on a home.

The Nehemiah Program offers up to 6% downpayment assistance at closing and can be used with low down payment loans such as an FHA loan. This program requires seller involvement, so it is important to consult your Realtor about this program prior to making an offer to purchase a home.

This program offers a way to borrow your down payment up to 7% of the purchase price. This is a great way to get a 100% loan without paying the 100% rates. If you use an FHA loan there are income limitations, but if you use conventional there are no income limitations in many of Arizona's counties. Pima County happens to be one that has NO income limitation if you are obtaining a conventional loan. Family Housing Resources offers many other services to buyers, whether it is your first time or not, so their website is well worth checking out.