100% Financing Homes in Arizona

If you're buying in Arizona and the bank wants a down payment you don't have, owner financing with up to 100% financing is the workaround. No bank mortgage — and the down payment itself can be funded, so qualified buyers close with no money out of pocket.

Owner Financed Homes in Arizona: The Numbers

• 55 owner financed listings currently available across Arizona
• Median price: $490,000
• Median down payment: $45,000 — the amount you could finance instead of saving for
• Top markets: Phoenix, Tucson, Scottsdale, Mesa, Casa Grande

At the Arizona median of $45,000 down, a traditional buyer needs that cash plus roughly 11% of the home price in closing costs — about $98,900 total out of pocket on a $490,000 home. With down payment funding, that number can be zero.

How 100% Financing Works in Arizona

1. Pick your home from owner financed listings in Arizona
2. Apply for down payment funding — check stubs or bank statements. A soft credit check (no score impact) shows offers from multiple lenders
3. Choose your offer — you pick the lender and terms. Hard inquiry only if you accept
4. Close — if funding covers the down payment and closing costs, you bring nothing to the table

Pro tip for Arizona buyers: request about double the down payment. On a typical $45,000 down payment in Arizona, request around $90,000 — the extra covers closing costs, inspection, attorney fees, and moving expenses.

Who Qualifies in Arizona

Qualification is income-based, not savings-based. Lenders want to see check stubs (W-2) or bank statements (self-employed), plus a soft credit pull that doesn't affect your score. There's no published minimum income — you enter what you make, and lenders make offers based on it. Even a partial offer means less money out of your pocket.

Browse Arizona Homes With 100% Financing

Inventory moves fastest around Tucson, Scottsdale, Mesa, Casa Grande. Every owner financed listing on our site qualifies for down payment funding — see what's available in Arizona today.