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 Five and Arizona HOME+PLUS programs. If you qualify, you could get up to 5% (or more) of your down payment covered on a competitive 30-year mortgage.
Arizona Programs Make Homeownership Possible
Arizona Home in Five - Platinum
Qualified first time homebuyers looking for down payment assistance for FHA or VA loans could receive up to 4% in assistance with the Home in Five - Platinum Program
Eligibility requirements
- Available for FHA or VA home loans only
- Minimum credit score of 640
- Available in the Phoenix Metro Area, and surrounding Maricopa County (except the City of Paradise Valley)
- Must be a first time homebuyer (no homeownership in the past 3 years)
- Homebuyer education required
- Income and purchase limits apply
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 $138,600
- 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
Arizona HOME+PLUS
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
