Down Payment Assistance to Land Your Dream Home, Affordably.

The Pima Tucson Homebuyer's Solution (PTHS) Program helps make homeownership attainable. 

Ask your mortgage lender about the PTHS Program to learn more about qualifying for down payment assistance.

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Multiple Loan Options to Fit Your Budget

Work with your lender to select the right size loan package for your needs, with assistance frequently ranging from 2%-5% of the value of your first loan amount.

Accessibility for More Families

PTHS is not exclusive for first time homebuyers and income qualifications range up to $122,100 making it possible for more families to get the assistance they need. 

Combine Programs for Even More Savings!

You may be able to combine PTHS with other tools, such as the Mortgage Credit Certificate Program and HOME Funds, for even more savings! 

Even More Great Benefits

Won't slow down the usual sale process.

PTHS offers some of the lowest mortgage rates in the state of Arizona.

Don't need down payment assistance? No problem! Use our 0% DPA to access a great mortgage rate. 

Down payment assistance acts as a grant, if you stay in your home for three years or more.

Moving In

37% of non-homeowners report that the lack of a down payment is holding them back from buying a home.

Local Lenders Make it Happen!

In order to participate in the PTHS program you must work with an approved PTHS lender. Hundreds of lenders in Southern Arizona have been trained and are ready to help you! 

Use our free info sheet so you know exactly what to ask for when you are meeting with a lender to make sure you get all of the assistance you deserve!

Meet our Superstar Loan Officers

There are over 500 trained and certified PTHS lenders who are ready to help you through the program.  There are some lenders who really stand out with exceptional expertise with the program.

 Check to see if your lender is PTHS approved.

Zach Mooney

Zachary Mooney

Guild Mortgage Company LLC



“As an experienced mortgage professional in the Tucson market it is my role to understand the needs of my clients and advise on the best way to close their loan. One of the best tools in my arsenal is leveraging the partnership with The Pima Tucson Homebuyer’s Solution Program, the most commonly used down payment assistance programs in our market. Knowing when and how to utilize the grant funds they provide eases the concerns of my clients who didn’t think they had enough money to become a homeowner!”

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Tom Vosburgh

Loan Depot

(520) 820-9208


“Since moving here in 2006, the Pima Tucson Homebuyer's Solution has been the #1 go to source for Down Payment Assistance for first time homebuyers and repeat buyers.  They offer Conventional, FHA, VA, and USDA financing.  The programs are easy to use and even easier to qualify for. If you are in the market for a new home purchase, refinance, or just have questions about real estate financing, please do not hesitate to contact me at any time. We look forward to being of service!” 

Albert Gomez

Albert Gomez

Altitude Financial Corporation


"The PTHS program gives homebuyers more confidence in their ability to buy and afford a home."

Essential Workers Housing Fund

The Pima Tucson Homebuyer's Solution Program has partnered with The Tucson REALTORS® Charitable Foundation and other organizations to bring even more value to our community. 

If you are an essential worker in our program, you may be eligible to have a portion of your closing costs covered by the fund. 

We have helped thousands of Pima County
families just like yours!

Our Results

The PTHS program has helped over 6,000 families achieve homeownership, providing over $10,000,000 in downpayment assistance for over one billion dollars in total reservations. 

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average assistance


First-time homebuyers

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The Homebuying Process is Complicated, We Are Here to Help!

We understand that you have a lot of decisions to make, and like any loan program, it is important that you have all the information you need to make the right decisions for you and for your family.  In addition to fully training every certified lender, our team has decades of experience and we are here to help you through every step of the journey. 


We have also created lots of informational tools to help you navigate the program and feel fully confident with all of your choices. 

About Us

The Pima Tucson Homebuyer's Solution program is brought to you through a partnership between local, non-profit, Housing Finance Agencies.  The Industrial Development Authorities of Pima County and the City of Tucson have been serving Southern Arizona for over four decades by creating access to capital, supporting equitable homeownership, and investing in programs and projects that benefit the lives of our Tucson and Pima Country communities.

Ready to Get Started?

Take the Eligibility Quiz

Download an Info sheet for Your Realtor or Lender

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Locate an Approved


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Download a Checklist

More Great Learning Tools

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Welcome Home

Ask your lender about the Pima Tucson Homebuyer's Solution Program to help you achieve affordable homeownership.