Buying Affordable Housing

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The Housing Department ad​ministers programs to promote and increase homeownership opportunities for Phoenix families.  Here you will find information about the Section 32 Homeownership Program and the Open Doors Down Payment Assistance (DPA) Program.  Both of these programs are designed to assist eligible first-time homebuyers with the purchase of an affordable home.​​​​​​​​

Section 32 Homeownership Program​​

Section 32 Homeownership is offered to first-time homebuyers who are at or below 80% Area Median Income (AMI) , and who will use the home as their primary residence.  The purchase price will be the current  (within 6 months of purchase) appraised value of the home.  Eligible properties must pass a Housing Quality Standards (HQS) Inspection.  Homeownership, financial fitness and hands-on maintenance classes are also required.  Some program benefits may include:

  • 20% discount off home appraisal value
  • Guidance through the homeownership process
  • Possible grant for down payment and closing costs
  • Possible additi​onal subsidies
  • One-year home warranty
  • Lower monthly pay​ment

For more information about the Section 32 Homeownership Program, call
602-262-6794.​​

Download the Section 32 Program Fact Sheet in EnglishDescargue la hoja informativa del programa de la Sección 32 en español​​​View available Section 32 homes

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Section 18 Homes​​​​​

​Section 18 homes are being offered to t​he public for sale. There is no income limit to qualify and the homes are sold "as-is".

​​​View available Section 18 homes

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​Open Doors Down Payment Assistance (DPA) ​Program

The Open Doors Down Payment Assistance (DPA) Program provides down payment and closing costs assistance. Homebuyers can earn at or below 80% of the Area Median Income (AMI), must purchase a home in the city of Phoenix and the purchase price cannot exceed $390,000.  Eligible homebuyers must complete both an eight hour pre-purchase homebuyer education course and housing counseling (one-on-one) from a U.S. Department of Housing and Urban Development (HUD) approved housing counseling agency and certified housing counselor. Reference additional program details below:

  • Funds are provided as a deferred payment loan.  
  • Interest rate of 0% with no monthly principal payments.
  • Maximum assistance of up to 10% of the home purchase price.
  • Repayment is due on sale, change in residency, or refinancing within the period of affordability. ​​​​​​​​​
  • Period of affordability can be up to 15 years depending on the amount of the loan. 
  • Loan is fully forgiven after the period of affordability.
  • Loan can be layered with other homeownership assistance programs (except the Section 32 Homeownership Program).​
Download Open Doors Program Fact Sheet in English​Descargue la hoja informativa del programa Puertas Abiertas en español​