In 2022 we were all negatively affected by a series of unexpected events. Record inflation led the U.S. Treasury to increase interest rates at an unprecedented pace. In 2022, mortgage interest rates more than doubled over the course of that year.  This aggressive increase caused investors to reduce their participation in the mortgage-backed securities (MBS) market. This is the national capital market where we raise resources that are used to fund and support the HOME Plus Down Payment Assistance Program. The reduced participation has negatively impacted our ability to consistently provide availability for our Arizona IDA Home Plus DPA complete portfolio of products.

Conditions can change on a day-to-day basis and therefore, the lender / loan officer you work with can provide greater insight, including which Arizona IDA HOME Plus DPA offerings are available during these challenging times. To find a lender near you and discuss options, please click on the Find-A-Lender link.

We appreciate your understanding during these times and hope that we can offer a DPA solution that works best for you.


Dirk Swift
Program Administrator

*Updates and terms may change without notice. Please consult with your lender for the most updated product information.

BORROWER(S) MAXIMUM INCOME LIMIT HAS BEEN RAISED TO $122,100.00 (effective July 1, 2022)

Arizona HomeBuyer Down Payment Assistance

Available in Every County, City, Zip Code in Arizona!

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Home Plus Home Buyer Income Limit Raised - May 1st, 2020

Home Plus Home Buyer Income Cap Raised to $109,965

Effective with new loan reservations on and after May 1st, 2020 the AzIDA HOME Plus borrower income increased to $109,965. (an increase of more than $4,500)

  • The Fannie & Freddie 80% AMI figure and the income limits on the non-forgivable DPA options will remain unchanged for now.

Through our new partnership with Mountain West Financial (wholesale) the AzIDA HOME Plus program is now available to mortgage brokers throughout Arizona.


Also, as a reminder,

  • ALL the HOME Plus DPA options are active and available.
  • We have not had any delays in service or funding.

Please feel free to reach out to AzIDA HOME Plus if you have questions or concerns and let us provide you with the correct information directly. With so much uncertainty during this global health crisis, we want to ensure our partners are accurately informed about our operations.


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