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
$195,000

Most Borrowers
Get Assistance of
$5,850

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
$8,820
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.

Qualifying

Borrowers

Minimum FICO credit score of 640

Homes

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.

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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.  The program qualified lender will assist you with this.

Advancing Home Ownership for
More Than Five Years

homebuyers assisted in
Phoenix metro area

in downpayment
assistance

qualified lenders to help you

​​​​​​​$130 million