You have a couple things working against you. The fact that you already own a home most first-time homebuyer programs or USDA would not be an option. Your income will also pose a problem because most of the down payment programs have income restrictions. FHA would be the next best thing with a down payment of 3.5%.

Your best bet is the FHA program with 3.5% down. Or if you buy specifically a Fannie Mae Homepath home, they will allow as little as 3% if you are using the house as your primary residence. I am licensed in AZ, and could help you get pre-approved. Thanks