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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%-4% 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 $126,351 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 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. 

With our "3-Year Forgivable" Product, your down payment assistance acts as a grant, if you stay in your home for three years or more.

How to Qualify

The home you want to purchase is your primary residence and is in Pima County.

(some types of homes are excluded - check with your lender)

The applicant makes less that $126,351 a year.

Your credit score is higher than 640.

Your debt to income ratio is less than 45%. 

(some exceptions apply- check with your lender)


Over the next few months we are adding a bunch of new housing programs alongside Pima Tucson Homebuyer's Solution. 


To make it easier for you to find all of the programs and find the right one for you, we are launching the Pima Tucson Housing Innovation Hub. This is a hub for all things housing!

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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!

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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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

Locate an Approved


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.

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