Special Grant Programs to Buy Homes and Other Zero down loan Programs

Special grant programs are now available for home buyers to purchase a home. Receive up to $20,0000. It’s easy to qualify. Simply apply for a home loan. Our specialized lenders will find which program fits you the best and how much of a loan you qualify for.

– Most grant programs you do not have to pay back.

– Must occupy the home.

– Find details on each program below.

– The grant programs change and expire, so contact us for the most accurate information.

Receive Up to $13,552

Home in 5 grant program

Home In 5. Receive Up to $13,552

30 year fixed rate
2.5% down payment for credit scores 640-659. 3.5% credit scores 660 +. 4% to VA, Teachers, and First Responders
Purchase anywhere in Maricopa county
Buyer must occupy the Home they purchase
Purchases only, no refinancing
$88,340 is the income limit for Borrowers
Max Home Purchase for this program is $300,000
Must use Participating lenders ( Call for List )
Must complete home buying class


Receive up to $20,000

    Pathway to Purchase grant program  

“Pathway to Purchase” P2P Down Payment Assistance Program

30 Year fixed rate
Up to 10% of the purchase price, max $20,000
Must be Owner Occupied and Primary Residence
Income not to exceed $89,088
Purchase price max is $356,352
Minimum credit score is 640
Required to complete Homebuyer education course.
Only available in these Maricopa County Cities: Avondale, Buckeye, El Mirage, Good Year, Laveen



Receive up to 5% of the Purchase

  Sapphire Grant Home Loans Sapphire Program

Buyer chooses to get 3% or 5%
No repayment required
Purchase anywhere in Arizona
Can be combined with gift funds
Buyer can get a seller credit up to 6%
Income restrictions – Contact the lender for details
Must occupy property
Does not have to be a first-time homebuyer
Must complete home buying class
Minimum credit score of 620



  USDA 100% Home Loan Program

USDA Rural Loan Program. Another great home loan with no down payment needed

100% financing, no down payment required.
Flexible credit guidelines
No maximum home purchase amount
Must purchase in the rural development areas


Receive up to $17,668

 Homes Plus Home Grant Program

Home Plus Loan Program – Receive up to $17,668

Receive up to 5% of the purchase price for conventional loan
Max income is $92,984
Purchase up to $371,936 in Arizona
Must attend home buyers education



 VA ZERO Down Home Loan Program

VA Loan Program. A 0 down home loan, tribute to our country’s veterans.

Requires VA Certificate of Eligibility
No income restrictions
Purchase up to $417,000 in Arizona
Must apply for a Certificate of Eligibility


Receive up to $10,000

Open Doors Home Grant Program

Open Doors Program. No down payment home loans given to lower income families.

Up to $10,000 to purchase a home
Income restrictions ( Call for details )
Home purchased must be located in Phoenix, AZ
Must complete an 8 hour class
Buyer must contribute $1000 of their own funds


Give us a call today to get more info on each of these options, and get started on your zero down home loan search.

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