Home in 5 Down Payment Assistance Program

Home in 5 Advantage is a State and County Funded Program Promoting Home Ownership Allowing You to Buy a Home With Little to No Money Down

About the Home in Five Advantage (Home in 5) Program

The Home in Five Advantage (Home in 5) program helps potential home owners buy a home in Maricopa County.

Qualified homebuyers receive up to 3 percent assistance for down payment and closing costs, plus a loan with a competitive interest rate.

For more than five years, Maricopa County and Phoenix Industrial Development Authorities have provided down payment assistance through the Home in Five Advantage program and helped approximately 17,000 home buyers achieve the American dream of home ownership.

Average Loan Amount

Most Borrowers
Get Assistance of

Most Borrowers Get 3% Down Payment Assistance
​​​​​​​Eligible Individuals Receive 1% More

*** if you live in the home for 3 years you never need to pay it back !!!

As Much As
or More Total Assistance

Additional Assistance to Eligible Individuals

Additional Home in 5 down payment assistance equal to 1% is available to K-12 teachers, first responders, U.S. military personnel, veterans and income qualified individuals who earn up to $33,100 annually.



Minimum FICO credit score of 640

Annual income up to $92,980
Debt to Income ratio up to 45%
Occupy the home as principal
residence within 60 days of closing
Complete homebuyer education


Located in Maricopa County
Priced at $371,930 or below
A new purchase (no refinancing)
New or existing houses,
condominiums, or townhouses

Ready to Get Started and Learn More?

It is best to work with real estate agents experienced with the Home in 5 program.  As well, participating lenders help homebuyers identify the mortgage loan that is best for each income and situation.

Featured Video

Required Homebuyer Education

Complete an 8-hour homebuyer education course through an Arizona-based HUD Approved Housing Counseling Agency, including limited online courses.

Homebuyers must obtain a certificate of completion and present it to their lender.  The program qualified lender will assist you with this.

Home in 5 Recipient

- Starr, new homeowner

Advancing Home Ownership for
More Than Five Years

homebuyers assisted in
Phoenix metro area

in downpayment

qualified lenders to help you


​​​​​​​$130 million

"I am paying $600 month and buying a house while I have friends paying $800-$900 a month for an apartment. And I am building equity. I have recommended to them to buy a home and take advantage of programs like Home in Five."