Homebuying Assistance

Jump to where you want to go:

Jennifer Mikelson
Housing Analyst
Phone: (928) 213-2744

Adriana Fisher
Housing Specialist
Phone: (928) 213-2750

Housing Section
Mailing Address
2323 N. Walgreens St.
Suite 2
Flagstaff, AZ 86001

Housing Section
Physical Address
3481 N. Fanning Drive
Flagstaff, AZ 86004

Community Homebuyer Assistance Program

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 down payment 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 and employment. Download the flyer to learn more.

To apply for our housing programs, fill out the application and return to Housing Solutions of Northern Arizona, 2304 N 3rd St, Flagstaff, AZ 86004.

Flagstaff’s disparity between wages and cost of living makes it difficult for some families to save the funds required to take the initial step into homeownership. Many of Flagstaff’s low and moderate income families earn enough to pay for a mortgage, but do not have enough cash to pay for additional expenses connected with purchasing a home. By assisting with these expenses, the City is able to address a number of community needs. Homeownership helps stabilize neighborhoods, builds family wealth, supports the community economy, and can instill pride and strength in families who are working hard to make ends meet.

In order to assist these hardworking members of our community, the City of Flagstaff partners with Housing Solutions of Northern Arizona. Housing Solutions works to educate potential homeowners on the process and requirements of buying a home and, in addition, offers no interest/no payment loans for the down payment and closing costs of the purchase.


Eligibility for these loans is based upon specific criteria. Potential homeowners must not have owned a home for three years and must live in the Greater Flagstaff area either currently or within the past three years. They must also meet income guidelines, depending on the program.

Click to return to the top of the page.

Employer Assisted Housing Program

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. EAH funds are matching: assistance will match buyer contribution on a dollar-for-dollar basis up to a benefit of $10,000 per household  Download the flyer to learn more.

Click to return to the top of the page.

Crestview by Capstone Home

Community Land Trust Program

The Community Land Trust Program is a tool to assist in meeting the housing needs of Flagstaff and its workforce.

  • This program takes the cost of purchasing land out of the cost of buying a home.
  • The City of Flagstaff will reserve ownership of the land while providing security of tenure and rights of use to the homeowner.
  • The land is provided to the homeowner through a 99-year renewable lease which may be passed on to heirs.
  • The price for which the house may be sold is restricted in exchange for assistance with the initial purchase.
  • These units will be maintained as permanently affordable through the program.

Crestview by Capstone Homes

Capstone Homes is currently offering land trust homes for sale to qualifying households in the Crestview subdivision. Crestview features:

  • New construction, single family homes
  • Two 2-bedroom floor plans
  • Optional master suite upgrade
  • Zero Energy Ready Home designation

All interested homebuyers must complete the land trust application. Read more about how the land trust program works in the resource documents below. For more information about Crestview, please visit the Capstone Homes Website.

Resource Documents

Click to return to the top of the page.