top of page

Land Your Dream Home

Having cash on hand  for a down payment can be a major challenge for many aspiring homeowners.

In fact, 36% of non-homeowners reported the lack of a down payment was a primary barrier for them.


The average Pima Tucson Homebuyer's Solution participant secures $14,000 in assistance.

Work with your lender to learn what level of assistance may be right for you and your family, based on the size of your home loan.

Take the quiz to see if you may be eligible.

Who is Eligible?

Income Limits

To participate in the program you must have a household income under $126,351 

If you make under $73,200 you may be eligible for additional benefits


This program will require on some basic financial health measures. You must meet the minimum requirements for FICO scores and your debt to income ratio (DTI). Your lender will walk you through the process. 


Many, but not all properties qualify.

New or existing residential, one-four units, detached or attached, condominiums or townhomes.

Benefits are limited to Pima County Residents.

Homebuyer's Course

You must complete an online or in-person homebuyers education course. You may opt for any HUD-approved counseling agency and demonstrate a certificate of completion.

Learn More >>



How Does it Work?

The first step of participating is to select a mortgage agency at a PTHS approved Lender, working with a PTHS trained Loan Officer. 

Download a complete list of approved lender here, or use our recommendations and tools on the Locate a Lender page.


The agency  products available to you through this program are FHA, VA, USDA or Freddie Mac or Fannie Mae  Loans. 


You will receive a 30-year, fixed rate, fully amortizing first mortgage loan with 360 level, monthly payments.  If you use the VA or USDA loans, your down payment assistance is immediately offered as a grant.


With any other products, you will also receive a second, 0% interest, 3-year deferred, forgivable second mortgage loan.  The amount of this second loan can range between 0% and 5% of your first loan. If you stay in your home for at least three years your second mortgage loan will act as a grant that you will not need to pay back. 

More Info: 

  • In order to offer the best possible rates and assistance, the PTHS mortgage rates and down payment assistance percentages (0% -5%) are updated daily.  Your PTHS approved lender can check the rates for the day you apply and lock them in for up to 70 days.  

  • There are some small origination fees associated with participating in the program. Your lender will walk you through the fees at the time of application. 


Let's Get Started!

To get started,  contact a Participating Lender to apply for the loan. The lender will verify the current mortgage rate. When you visit the lender to make application, it may be important that you have the following information:

  • List of all outstanding debts and credit cards, including account information, unpaid balance and monthly payments

  • Name and address of employer(s) 

  • Copy of your most recent pay stub(s)

Mortgage Products Offered

In addition to Freddie Mac and Fannie Mae to following products are offered: FHA, VA, USDA, RD loans. Speak to your lender to learn more. 

VA Department of Veterans Affairs logo
FHA Loans Icon
Rural Development Logo

Homebuyer's Toolkit

Take the Eligibility Quiz

Download an info sheet for your realtor or lender

Locate an Approved Lender

Download a checklist

Homebuyer Education

Still have more questions? We are here to help!
Drop us a note and we’ll get back to you shortly.

Thanks for submitting!

bottom of page