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Find down payment help.

Are you a first-time homebuyer in Arizona?

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Arizona Down Payment Assistance

Buy with $0 Down

Our Arizona Home Buying Program could offer you no down payment options to help you purchase your dream home.

1.5% Closing Cost Assistance

In addition to 100% financing, we can also include up to 1.5% of the purchase price for closing cost assistance. This helps pay for closing costs.

All Arizona

Available in Every County, City, and Zip Code.

Less Than Perfect Credit

We accept credit scores starting at 640, opening doors for more homebuyers.

How it works

first Share a few details
first No Down
first Hi, I’m Chad, your loan officer, How can I help?
first Share a few details
first No Down
first Hi, I’m Chad, your loan officer, How can I help?
1

Choose your best option

It all starts here by choosing the best down payment assistance option that fits your home purchase plan.

2

Compare down payment options

We will provide you an easy to follow estimate with loan program, down payment assistance, interest rate, monthly payment and cash to close.

3

Painless pre-approval*

Once you know your options you will be invited to submit an application to start the pre-approval* process.

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*Pre-approval is not a commitment to lend.

Frequently asked questions

Q: How does a homebuyer qualify for 100% Financing?
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Buyers must have qualifying income, meet at least 640 credit score and occupy as primary residence. Ask your loan officer for additional qualifications.

Q: What does 1.5% closing cost assistance mean?
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We can provide you with up to 1.5% assistance to pay for closing costs. For example, 1.5% of a $300,000 purchase price would give you $4,500 for closing costs. Additionally, the seller can contribute up to 6% towards closing costs as well.

Q: Does 100% Financing have income limits?
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No there are no income limits, even if you have additional income, such as a second job or spousal income.

Q: What kind of loan program is used with the 100% Loan Program?
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We currently offer a FHA loan as part of our 100% Financing Program. FHA loan limits apply by county.

Q: How can I get a lower rate?
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Depending on your scenario, the best rate is typically determined by a higher credit score and a larger down payment. We can provide you with options and let you determine which is best for you.

Q: What is the first step to take advantage the Arizona Homebuyer Programs?
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Start with “START HERE” answer the questions, connect with a homebuyer specialist and have your options emailed to you.

Get started in minutes

Speed matters. Which is why you can get information today. Without affecting your credit score.

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Won’t affect your credit score.

Luminate Bank | FDIC Member | NMLS 1281698 | Mortgage Banking Products are not FDIC Insured | http://www.nmlsconsumeraccess.org | Corporate Headquarters 2523 S. Wayzata Blvd., Ste 100, , Minneapolis, MN 55405 | © 2026 | Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Some loan products may not be available in all states. Subject to change without notice. * By entering your information and clicking “Submit”, "Let's Get Started", or "Apply Now" you are authorizing Luminate Bank to contact you, using the information you provided above. We may call, email or text you and Message and Data Rates may apply. You can STOP messaging by sending STOP and get more help by sending HELP. We may use automated dialing systems and prerecorded voice messaging in connection with calls or texts. This permission applies even if you are on a company, state or national Do Not Call Registry. You may opt-out of receiving these communications at any time. This consent is not requirement to obtain a loan. You may choose not to submit and contact us directly by our phone number listed. Our commitment to privacy can be found in our Privacy Policy.