About the Home in Five Advantage Program

The Home in Five Advantage program helps low and moderate-income individuals and families 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.

Most Borrowers Get 3%
Eligible Individuals Get 1% More

Average Loan Amount<br><b>$195,000</b>

Average Loan Amount

Most Borrowers<br>Get Assistance of<br><b>$5,850</b>

Most Borrowers
Get Assistance of

As much as<br><b>$7,800<br></b>Total Assistance

As much as
Total Assistance

Additional Assistance to Eligible Individuals


An additional 1% assistance is available to K-12 teachers, first responders, U.S. military personnel, veterans and income qualified individuals who earn up to $34,550 annually.

How To Qualify


  • 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

Get Started

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.

Meet a Homebuyer

"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."

- Starr, new homeowner

Advancing Homeownership for
More Than Five Years

<b>17,000</b><br>homebuyers assisted in<br>Phoenix metro area

homebuyers assisted in
Phoenix metro area

<b>$130 Million</b><br>downpayment<br>assistance

$130 Million

<b>130+ Lenders</b><br>trained to<br>help you

130+ Lenders
trained to
help you