Pre-Purchase Assistance

Program Details

We combine pre-purchase counseling with financial assistance (down payment or match savings programs) to help eligible, low- income, first time homebuyers open the door to homeownership.

Housing Solutions is a HUD approved housing counseling agency and our Housing Counselors are trained and certified through NeighborWorks. Through  confidential, one-on-one assistance we help families in northern Arizona prepare for homeownership and navigate the purchase process.

Workforce Initiative Subsidy for Homeownership (WISH)

Up to $5,500 of an eligible low-income buyer’s funds are matched 4 to 1 with up to $22,000 in assistance. Part of the buyer’s contribution can be gift funds, however a minimum of $2,000 or 1% of the purchase price (whichever is greater) must come from the buyer.
 The WISH program fee (4% of assistance) is paid through closing so clients do not have out-of-pocket upfront expenses.​ Download the flyer below to learn more.

City of Flagstaff Employer Assisted Housing (EAH)

The City of Flagstaff will provide up to $10,000 per household to eligible employees to be used for down payment and/or closing cost on the purchase of a home. Download the flyer below to learn more.

Community Homebuyer Assistance Program (CHAP)

The Community Housing Assistance Program (CHAP) is intended to educate and serve households that are working towards the purchase of a home within the Flagstaff city limits. Funded by the City of Flagstaff, CHAP is a downpayment and closing cost assistance initiative that provides up to $15,000 in matching funds to households that do not have sufficient cash to purchase a home, but are otherwise mortgage eligible based on credit & employment. Download the flyer below to learn more.

Flagstaff Community Land Trust Program (FCLT)

This is a housing program administered by the City of Flagstaff.  It is used as a tool to help provide ownership opportunities to Flagstaff residents who may not be able to afford a home in the open market.  The program is designed to help first time homebuyers by reducing the cost of housing.  The long-term affordability of the unit is maintained because the home owner accepts restrictions on the equity and appreciation in exchange for the reduced price of the home.  The homebuyer only purchases the house and improvements, while leasing the land from the City through a 99-year renewable ground lease. Download the flyer below to learn more.

Online Homebuyer Education Course

In addition to in-person counseling, we offer online homebuyer education courses in both English and Spanish! The fee is $99 per household, which is determined by eHomeAmerica, the course vendor. The course is approximately 8 hours, and is set-up so that you can stop and conveniently return to your saved course section. 


We offer a discount coupon code to clients who participate in our one-on-one housing counseling. Clients with a coupon code are charged $50 for the course.


Register for the online homebuyer education course, learn at your own pace, and earn your Certificate of Completion. Your Certificate is processed and emailed to you within 1-2 business days.


To apply for any of our programs, call to schedule a one-on-one appointment at 928-214-7456. You will need to bring a completed application to this appointment.

Download, print, and complete the application for financial assistance. 


Fees to pull a Tri-Merge Credit Report with scores are $14.50 per individual on a cost-recovery basis.

The Online Homebuyer Education Course fee (see above) is $99 per household, which is determined by eHomeAmerica, the course vendor. We offer a discount coupon code to clients who participate in our one-on-one housing counseling. Clients with a coupon code are charged $50 for the course.



928-214-7456 (To contact our office through a relay service for the hearing impaired, please dial 711.



Physical Address

2304 N 3rd St, Flagstaff, AZ 86004

Mailing Address

PO Box 30134, Flagstaff, AZ 86003

Email Directory

Please Click here

United Way of NAZ.png

Click here to view additional community partners.

Housing Solutions does not discriminate on the basis of age, race, color, religion, sex, gender identity (including gender expression), national origin, disability, marital status, political beliefs or familial status in employment or program services. Special accommodations will be made for the physically challenged, upon notification.