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
$195,000

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

Most Borrowers
Get Assistance of
$5,850

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

As much as
$7,800
Total Assistance

Additional Assistance to Eligible Individuals

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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

Borrowers

  • Minimum FICO credit score of 640
  • Annual income up to $99,169
  • Debt to Income ratio up to 45%
  • Occupy the home as principal
    residence within 60 days of closing
  • Complete Homebuyer education

Homes

  • Located in Maricopa County
  • A new purchase (no refinancing)
  • New or existing houses,
    condominiums, or townhouses
  • Purchase price is not limited

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

17,000
homebuyers assisted in
Phoenix metro area

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

$130 Million
downpayment
assistance

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

130+ Lenders
trained to
help you