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


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


  • 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


  • 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

“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 Five Years

<b>19,000</b><br>homebuyers assisted in<br>Phoenix metro area

homebuyers assisted in
Phoenix metro area

<b>$140 Million</b><br>downpayment<br>assistance

$140 Million

<b>80+ Lenders</b><br>trained to<br>help you

80+ Lenders
trained to
help you