Introducing
The Pima NADA 1.0 DPA Program
At EHG Lending, we believe that homeownership shouldn’t be out of reach — especially for hardworking families and first-time buyers. That’s why we created the Pima NADA 1.0 Down Payment Assistance (DPA) program. This locally-driven initiative provides up to 5% in assistance toward your down payment and closing costs, making it easier to get into a home with less cash upfront.
Program Details
Highlights & Requirements
Pima NADA 1.0 Basic
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100% Financing Available
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3.5% Down Payment Assistance
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Provided as a Grant, Fully Forgiven at Closing
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580 Minimum FICO Score
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No Resale Restrictions
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No Income Limits
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First-Time Homebuyers Allowed
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Gift Funds Accepted
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Up to 6% Seller Concessions Allowed
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Homebuyer Education Required
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Temporary Rate Buydowns Allowed
Pima NADA 1.0 Plus
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101.5% Financing Available
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3.5% Down Payment Assistance
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1.5% Closing Cost Assistance
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Second Lien Repayable Over 10 Years or at Refinance/Sale
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680 Minimum FICO Score
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No Income Limits
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First-Time Homebuyers Allowed
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Gift Funds Accepted
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Up to 6% Seller Concessions Allowed
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Homebuyer Education Required
How it Works
The Pima NADA 1.0 program offers two distinct down payment assistance options designed for FHA buyers (Basic or Plus). The Basic option provides 3.5% of the purchase price to cover the minimum down payment and is completely forgiven at closing, meaning it’s a true grant with no repayment required and no second lien recorded — you walk away with 100% financing and no additional debt tied to your home. The Plus option provides a total of 5% assistance — 3.5% for the down payment and an additional 1.5% to help cover closing costs. This assistance is provided in the form of a second lien, that must be repaid over 10 years or when you sell/refinance. This option results in a combined loan-to-value (CLTV) of up to 101.5% and is ideal for buyers who need help beyond just the down payment and are comfortable with a deferred repayment structure.
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Why We Created This Program
Created for the People — Not the Corporations
In today’s housing market, the challenges are real: soaring home prices, high interest rates, and the steady disappearance of state and federal funding for down payment assistance. What’s worse? The limited funding that does exist is often reserved for big-box retail lenders — institutions known for rigid guidelines, inflated costs, and limited loan options. These lenders dominate a significant share of the market, yet they often fail to serve local communities in a meaningful way.
Meanwhile, independent mortgage brokerages like EHG Lending — who consistently offer broader loan choices, more competitive pricing, and personalized guidance — are routinely excluded from these programs. This misalignment hurts the very people these initiatives were meant to help. Homebuyers are left with fewer options and less flexibility, simply because assistance is funneled through corporate lenders that don’t prioritize community needs.
At EHG Lending, we’re standing up for our communities. With access to over 200 institutional investors, we offer unmatched flexibility and choice to our clients. We’re not tied to a single set of rates or rules — we work for you, not the banks.
The Pima NADA 1.0 program is our way of leveling the playing field — helping more Arizonans achieve homeownership without relying on corporate-controlled assistance. Let’s keep our dollars and decisions local, and let’s build a stronger, more empowered Arizona together.
This program is an exclusive down payment assistance initiative branded and offered exclusively by EHG Lending through partnerships with select lending institutions. EHG Lending does not directly fund or administer the assistance. Program availability, terms, and eligibility requirements may vary by lender, loan type, borrower qualifications, and market conditions. This is not a commitment to lend. All loans are subject to credit, underwriting, and investor approval. This program is not sponsored by or directly affiliated with Pima County, the State of Arizona, or any federal housing agency. This program is not limited to Pima County. We are proud to extend it to eligible homebuyers throughout Arizona. Program information is provided for educational purposes only and may be subject to change without notice. Please confirm all program details with your local EHG Lending Mortgage Advisor.