City of Tucson HOME Program

Who does the program help?

Families at 80% or below the area’s average median household income

Household size 1 2 3 4 5 6 7 8
Household income limits* $31,750 $36,300 $40,850 $45,350 $49,000 $52,650 $56,250 $59,900

*Effective 3/28/16

What does the program provide?

Down payment assistance of 3.5% of the purchase price or $3,700, whichever is less. The down payment assistance is a five-year forgivable lien against the property at 2% interest with no required monthly payments.

What does the program require?

Buyer must

  • Live in the property as a primary residence for at least 5 years, after which the down payment assistance lien and interest is forgiven
  • Not have more than $10,000 in cash assets
  • Contribute at least $1,000 toward purchase
  • Qualify for a mortgage loan that meets program requirements (no adjustable rate mortgages; terms must be approved by housing counselor at HUD approved agency)
    • Be able to afford mortgage payments (debt to income ratios apply)
    • Have at least one month’s mortgage payment in the bank
  • Complete a Pre-purchase Homebuyer Education Workshop and Pre-purchase Counseling from a HUD approved agency
  • Be a U.S. citizen or legal permanent resident

The property must

  • Receive a home inspection by a Certified Specialist of Inspection Housing Quality Standard (paid for by buyer—counts toward $1,000 requirement)
  • Pass an Environmental Clearance (paid for by program)

HUD approved agencies

These HUD approved agencies offer Pre-purchase Homebuyer Education Workshops and Pre-purchase Counseling.

CHICANOS POR LA CAUSA Phone: (520) 882-0018
E-mail: tommy.medina@cplc.org
Website: www.cplc.org
2550 E Ft Lowell Rd
Tucson, AZ 85716
English, Spanish
FAMILY HOUSING RESOURCES Phone: (520) 318-0993
E-mail: N/A
Website: http://familyhousingresources.com
1700 E Ft Lowell Rd
Ste 101
Tucson, AZ 85719
English, Spanish
OLD PUEBLO COMMUNITY SERVICES Phone: (520) 546-0122
E-mail: terrygalligan@helptucson.org
Website: http://helptucson.org/
4501 E 5th St
Tucson, AZ 85711
English, Spanish
PIO DECIMO CENTER Phone: (520) 622-2801
E-mail: mzerler@ccs-pio.org
Website: www.ccs-soaz.org
848 S 7th Ave
Tucson, AZ 85701
ASL, English, Other, Spanish
THE PRIMAVERA FOUNDATION, INC. Phone: (520) 882-5383
E-mail: N/A
Website: www.primavera.org
151 W 40th St
Tucson, AZ 85713
English, Spanish

Where does the program funding come from?

Program funding provided by the U.S. Department of Housing and Urban Development.

To learn more

Visit Tucson’s Housing and Community Development Department website: https://www.tucsonaz.gov/hcd/home-owner-programs or contact any of the above HUD approved agencies.

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