Arizona's statewide down payment assistance program, available through participating lenders for buyers who meet income and credit guidelines.

Some cities and counties offer their own help with different rules and limits. Where you buy can change what's available to you.

Not technically assistance programs, but builder incentives and seller credits can lower what you need to bring to closing. I'll negotiate for them.

It depends on your income, credit, the loan type and the home. A quick call with a lender who offers these programs is the fastest way to find out.