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Down Payment Assistance for Home Buyers in Arizona


If you’re a Arizona first-time home buyer you may qualify to utilize the $30,806 WISH Grant. 

Not every first-time buyers has saved enough for 20% down. The good news is that you don’t need that much. 

Zero Down Loan Program

Refined Lending is excited to offer a zero down loan program to qualified buyers. Check out the program highlights below and contact us for full program details!

  • 0% Down payment
  • No city or county geographical restrictions
  • $150,000 income limit
  • 600 min credit score
  • Up to 55% debt to income ratio
  • Available in Every state
  • $0 buyer funds required
  • Up to 5% seller paid closing costs
  • Standard 30 year fixed rates apply


Many major cities have at least one down payment assistance program. They’re all likely to have similar eligibility requirements, including that you’ve completed a homeowner education course; use an approved lender; and meet local income limits. Check with your Refined Lending loan officer for other loan terms and conditions.

Largest Cities in Arizona

1. Phoenix, Arizona

Population: 1,608,139
Median Sale Price: $445,000

2. Tucson, Arizona

Population: 542,629
Median Sale Price: $328,250

3. Mesa, Arizona

Population: 504,258
Median Sale Price: $445,000

4. Chandler, Arizona

Population: 275,987
Median Sale Price: $530,000

5. Gilbert, Arizona

Population: 267,918
Median Sale Price: $599,750

6. Glendale, Arizona

Population: 248,325
Median Sale Price: $445,000

7. Scottsdale, Arizona

Population: 241,361
Median Sale Price: $770,000

8. Peoria, Arizona

Population: 190,985
Median Sale Price: $469,000

9. Tempe, Arizona

Population: 180,587
Median Sale Price: $440,000

10. Surprise, Arizona

Population: 143,148
Median Sale Price: $430,000

*Source- The population data was retrieved from the United States Census Bureau for 2021, while the median sale price data was sourced from the Redfin Data Center in January 2024.

All programs subject to change at anytime without notice. Not a commitment to lend. Client must qualify for program with Refined Lending and the assistance or grant program selected.  * Sources | |

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