Pima County, AZ · NMLS# 667008
The Pima-Tucson Homebuyer's Solution can help with your down payment and closing costs anywhere in Pima County, including Tucson. You do not have to be a first-time buyer.
Not ready to apply yet? Get Prequalified · Call (520) 495-8989
Prequalification is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.
Key facts
You get a 30-year fixed-rate first mortgage plus assistance equal to a percentage of the loan amount. The assistance can go toward your down payment, closing costs, and prepaids. Facts below come from the official program highlights page and administrator guide (revised 06/11/26).
| Eligible area | All of Pima County, including the City of Tucson. |
|---|---|
| First-time buyer rule | None. No first-time buyer requirement. |
| Assistance | A percentage of the loan amount, as a 0% interest, 30-year forgivable second mortgage with no monthly payments. Current percentage options appear on the official rate chart. |
| Loan types | FHA, VA, USDA-RD, Fannie Mae HFA Preferred, and Freddie Mac HFA Advantage. |
| Income limit | $155,386 for FHA, VA, USDA-RD, and Fannie Mae HFA Preferred, for all household sizes (effective with new reservations 05/21/26). $79,840 for the 80% AMI conventional options, which carry reduced mortgage insurance (effective 06/13/26). Income is calculated per loan agency guidelines. |
| Purchase price limit | None in this program. Loan agency limits still apply. |
| Occupancy | Primary residence. You must move in within 60 days of closing. |
| Homebuyer education | Required for every borrower on the note. Approved online courses are listed in the official education list. |
| Recapture tax | None in this program. |
| Pair with an MCC | Yes. Can be paired with the CIC Tucson MCC. Program rules and eligibility apply. |
Quick check
Answer three questions. This uses the official program limits and takes about 30 seconds. It is a starting point, not an approval.
Limits from the official income limits (rev 06/15/26). Credit score, debt-to-income, and loan agency rules also apply.
FAQ
No. The official program guide says there is no first-time homebuyer requirement in this program.
It is a 0% interest, 30-year forgivable second mortgage with no monthly payments. Per the program guide, it becomes due if you sell, refinance, or pay off the first mortgage before the end of the loan term. Also, if the first mortgage is paid off within the first 36 months, a pro-rated amount of the second mortgage must be repaid.
The assistance is a percentage of the loan amount. The percentage options change and are shown on the official eHousingPlus rate chart. I will show you the current options for your loan type.
The program guide says there are no purchase price limits in this program. Standard loan agency limits for FHA, VA, USDA, Fannie Mae, and Freddie Mac still apply.
The program guide states there is no recapture tax in this program.
Pair it with a tax credit. The CIC Tucson Mortgage Credit Certificate can be paired with the Pima-Tucson Homebuyer's Solution. Program rules and eligibility apply. Back to the DPA hub.
I will confirm today's assistance options and walk you through the numbers.
Program availability, terms, interest rates, income and purchase price limits, and assistance amounts are set by each program administrator and can change or end at any time without notice. Assistance funds may be limited. The information on this page was checked against the official program sources linked above on October 16, 2026. It is general education only. Always confirm current guidelines with me before you make decisions.
This is not a commitment to lend, a loan approval, or a rate lock. All loans are subject to credit approval, underwriting, property eligibility, and program guidelines. Not all applicants will qualify. Rates shown on official program pages are not offered by this website and may not be available to you.
The Pima-Tucson Homebuyer's Solution is offered by the Industrial Development Authorities of the County of Pima and the City of Tucson and administered by eHousingPlus. The Mortgage Credit Certificate program for Pima County is funded by the Pima County Industrial Development Authority and administered by Community Investment Corporation (CIC). Homes for Texas Heroes and Home Sweet Texas are programs of the Texas State Affordable Housing Corporation (TSAHC). These agencies do not endorse any lender. Andy Braun and Neighborhood Loans are not government agencies.
Andy Braun, Senior Loan Officer | Sales Manager, NMLS #667008, AZ LO-1006099. Neighborhood Loans, Inc. NMLS #222982, AZ BK 1004602. Licensed in Arizona, Texas, and California. Equal Housing Lender. Verify licensing at nmlsconsumeraccess.org.
Program rates change daily. I will send you today's rate for this program personally.
Not a commitment to lend or a rate lock. Rates depend on your credit, loan type, and program option.
