Arizona Down Payment Assistance

Ready to buy a home, but don't have a down payment?

We're here to help

Castle & Cooke Mortgage is an approved lender for Arizona’s Home in 5 and Arizona HOME+PLUS programs. If you qualify, you could get 5% (or more) of your down payment covered on a competitive 30-year mortgage.

Arizona Programs Make Homeownership Possible

Arizona Home in Five

Saving up for a down payment and closing costs is tough! But that doesn’t mean buying a home is out of reach. If you qualify for Home in Five, you could receive up to 5% assistance based on total home price.

What it takes to qualify

  • Minimum credit score of 640
  • Annual income of up to $108,920
  • Completion of Homeowner education course
  • NO LIMITS on purchase price

Additional Benefits for Arizona Heroes

If you’ve dedicated your life to making Arizona a better place, this Home in Five program has a special way of saying thanks: an additional 1% in closing cost assistance.

Eligible professions

  • K-12 teachers
  • First responders
  • Active military and veterans
  • Other professions with qualifying incomes


If you qualify for this popular down payment assistance program, you could claim your piece of the American Dream with up to 5% down payment assistance.

Program benefits

  • Not limited to first time homeowners
  • Use funds for down payment OR closing costs
  • Reduced mortgage insurance premiums
  • Available in all cities and counties in Arizona

Why Choose Castle & Cooke Mortgage?

The dedicated Loan Officers at Castle & Cooke Mortgage in Arizona have helped many families access down payment assistance through these down payment assistance programs, and we’re not stopping anytime soon!

Benefits of working with us

  • Trusted guidance on all home loan options
  • Super secure online applications
  • A lightning fast approval process
  • Constant communication, at every step