Last updated Nov 2026
$15,000 toward a Pima County down payment, and a second program with no first-time rule
By Trameze Jones, REALTOR® · Last updated Nov 2026
Arizona is Home, in the Apr 8, 2026 guide, offers $15,000 for down payment and closing costs in Pima County as a 30-year forgivable second. The buyer has not owned a home in the prior three years. The Jun 11, 2026 Pima-Tucson guide has no first-time rule and offers 2% to 5%.
Data as of Program guides dated Apr 8, 2026 and Jun 11, 2026.
| Program | Assistance | First-time rule | Guide date |
|---|---|---|---|
| Arizona is Home | $15,000 down payment and closing costs | No ownership in the prior 3 years | Apr 8, 2026 |
| Pima-Tucson Homebuyer's Solution | 2% to 5% | No first-time requirement | Jun 11, 2026 |
Program terms change. The amounts below are from the guides dated on this page. Confirm them with the guide on the day you apply.
Arizona is Home, in the eHousingPlus administrator guide dated Apr 8, 2026: $15,000 for down payment and closing costs anywhere in Pima County, structured as a 30-year forgivable second mortgage. The buyer has not owned a home in the prior three years, has been an Arizona resident for six months or more, and has income under 120% of area median income.
Pima-Tucson Homebuyer's Solution, in the guide dated Jun 11, 2026: no first-time-buyer requirement, assistance of 2% to 5%, and its own income limits.
Which assistance page needs a re-check?
The Pima IDA page for Arizona is Home, pimaida.org/programs-and-impact/arizona-is-home/, returned HTTP 500 on Nov 2, 2026. Re-check that page before you treat it as current. The $15,000 figure on this article is from the eHousingPlus guide dated Apr 8, 2026, not from the page that failed.
Assistance can sit next to a seller credit under the February 2026 contract, and the lender has to be a participating lender. The contract point is covered in the buyer-agreement article.
What would Trameze do?
What Trameze would do is ask a participating lender to run the same house both ways, with assistance and without it, and compare cash to close and the monthly payment.
What are the short answers?
How much does Arizona is Home provide in Pima County?
The eHousingPlus administrator guide dated Apr 8, 2026 describes $15,000 for down payment and closing costs anywhere in Pima County, as a 30-year forgivable second mortgage.
Do I have to be a first-time buyer for every Tucson assistance program?
Arizona is Home, in that April 2026 guide, is for buyers with no ownership in the prior three years. The Pima-Tucson Homebuyer's Solution guide dated Jun 11, 2026 has no first-time-buyer requirement. Its assistance is 2% to 5%, with its own income limits.
Tucson · South Tucson · Sahuarita · Marana · How buying works · Sources on this site
Sources
- eHousingPlus, PTHS Arizona is Home Administrator's Guidelines, file dated Apr 8, 2026
- eHousingPlus, Pima Tucson Homebuyer's Solution program highlights (links to the current guide, revised Jun 11, 2026)
- Pima IDA, Pima Tucson Homebuyer's Solution
- Pima IDA, Arizona is Home Returned HTTP 500 on Nov 2, 2026. Re-check before you rely on this page.
Last updated Nov 2026. Figures stay next to the date they were published.