Do You Really Need 20% Down to Buy a Home in Arizona? Think Again!

If you’ve been holding off on buying a home in Arizona because you think you need a 20% down payment, you’re not alone. But here’s the truth: you can buy a home with as little as 3-5% down—or even zero down in some cases!

Breaking Down Low Down Payment Options

Many homebuyers in Phoenix, Scottsdale, Tucson, and beyond are securing homes with far less than 20% down. Here’s how:

✅ FHA Loans – As little as 3.5% down, making it a great option for first-time buyers.

✅ Conventional Loans – Some programs allow just 3% down, helping you buy sooner.

✅ VA Loans – 0% down for eligible veterans and active military members.

✅ USDA Loans – 0% down for homes in qualifying rural areas.

✅ Down Payment Assistance – Arizona offers programs that can help cover part or all of your down payment.

Why Buying with Less Down Makes Sense

🔹 Get into a home sooner – No need to wait years to save 20%.

🔹 Start building equity now – Home values in Arizona are steadily rising.

🔹 Stop paying rent – Instead of paying someone else’s mortgage, start investing in your own future.

Curious About Your Options? Let’s Talk!

Everyone’s financial situation is different, and the best loan depends on your unique needs. Let’s go over your options, crunch the numbers, and see what’s possible for you. No pressure—just real talk. Call me at +1 480-298-5551 for a free consultation.