Arizona Home Plus Program: Down Payment Help for First-Time Buyers
Now Offered Through Kind Lending

Ready to put down roots in Arizona? The Home Plus Down Payment Assistance (DPA) program, offered by the Arizona Industrial Development Authority (IDA), is now available through Kind Lending. Whether you’re a first-time homebuyer or someone ready to make a fresh start, this program helps bridge the gap between you and your dream home, making homeownership more affordable and achievable.

What Is the Home Plus Program?

The Arizona IDA Home Plus program provides down payment and closing cost assistance to qualifying buyers, offering up to 4% in assistance paired with a competitive interest rate. That means less out-of-pocket cash and a smoother path to owning your first home.

Program Highlights

• Available statewide: All Arizona counties, cities, and ZIP codes qualify.

• Forgivable assistance: designed to meet your needs.

• Income limit: Up to $146,503 per year.

• Education that empowers: At least one borrower must complete a homebuyer education course.

• Lower costs: Enjoy reduced mortgage insurance on conventional loans.

How It Works

The Home Plus assistance comes as a 0% interest, no-payment, deferred “soft” second mortgage that helps cover your down payment or closing costs.

Here’s what to know:

• The assistance is fully forgiven after 5 years (60 months).

• If you sell or refinance before that period, the DPA amount must be repaid.

• The program is always funded, with no waiting lists or expiration dates.

It’s truly designed to make homeownership more attainable for Arizonans — today and for years to come.

Why Work With Kind Lending?

At Kind Lending, we believe buying a home should be exciting, not overwhelming. Our team is here to help you navigate the Home Plus program with clarity, kindness, and expert guidance every step of the way. We’ll help you determine your eligibility, explore loan options, and get you closer to holding the keys to your dream home.

Ready to Get Started?

Don’t let your dream home stay a dream. Contact a Kind Lending loan officer today to learn more about the Arizona IDA Home Plus Program and how you can get up to 4% assistance toward your new home.

All down payment assistance (DPA) grants/programs are subject to restrictions and specific loan guidelines. This in no way implies guaranteed approval for a DPA.

Kind Lending, LLC is an FHA-approved lending Institution and is not acting on behalf of, or at the direction of HUD/FHA or the federal government.

FHA charges a one-time upfront mortgage insurance premium which can be financed as part of the loan.

Licensed by the Department of Financial Protection and Innovation under the CA Residential Mortgage Lending Act #41DBO-57306; Licensed by the NJ Department of Banking and Insurance; AZ Banker #0943427

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