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 5 percent assistance for down payment and closing costs, plus a loan with a competitive interest rate.

Borrowers Get up to 5%
Eligible Individuals Get 1% More

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 $36,450 annually.

How To Qualify

Borrowers

  • Minimum FICO credit score of 640
  • Annual income up to $105,000
  • Debt to Income ratio up to 50%
  • 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

Your first step is to find an approved lender. Participating lenders help homebuyers identify the mortgage loan that is best for each income and situation.

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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

“The entire process of buying a home through Home in Five Advantage was very smooth and easy. I just needed to take a class to meet the requirements. I think everyone should take advantage of this!”

- Edgar, recent homebuyer, Litchfield Park

Advancing homeownership for
more than seven years

<b>20,000</b><br>homebuyers assisted in<br>Phoenix metro area

20,000
homebuyers assisted in
Phoenix metro area

<b>$150 Million</b><br>downpayment<br>assistance

$150 Million
downpayment
assistance

<b>100+ Lenders</b><br>trained to<br>help you

100+ Lenders
trained to
help you