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.
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 $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 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 $122,100 a year.
Your credit score is higher than 640.
Your debt to income ratio is less that 45%.
(some exceptions apply- check with your lender)
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!
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!
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.
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.
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.
Ask your lender about the Pima Tucson Homebuyer's Solution Program to help you achieve affordable homeownership.