In an effort to assist homebuyers in 17 Arizona municipalities that have been hit by foreclosures, The Arizona Department of Housing (ADOH) working with the Arizona Home Foreclosure Prevention Funding Corporation (AHFPFC), has put together the Pathway to Purchase program.

The “P2P” Down Payment Assistance program offers a 30-year fixed-rate mortgage, with a second-mortgage as down payment assistance (DPA), which is a five-year lien against the property at 0% interest. 

Eligibility Requirements
ADOH has requirements that potential homebuyers must meet to be eligible for the P2P program:

  • They must use the home as their primary residence.
  • Their annual income must not exceed $92,984.
  • The purchase price of the property cannot be higher than $371,936.
  • The program is only available on Fannie Mae HFA Preferred Mortgages.
  • Applicants must complete an HUD-approved homebuyer education course before purchase.

The P2P Program is strictly limited to the following cities:
Arizona City, Avondale, Buckeye, Casa Grande, Coolidge, Douglas, El Mirage, Fort Mohave, Goodyear, Huachuca City, Laveen, Maricopa, Red Rock, Sierra Vista, Snowflake, and Yuma.

In addition, the Industrial Development Authority of the City of Tucson will administer the Pathway to Purchase DPA Program in that city. Homebuyers interested in the Pathway to Purchase in the City of Tucson and the City of South Tucson need to visit

Funding for the Pathway to Purchase DPA Second Mortgage Program is provided by the U.S. Department of the Treasury through the Troubled Asset Relief Program; Hardest-Hit Fund.  The P2P Program has a $48-million-dollar commitment and is available on a first come first serve basis.