Maricopa County · Forgivable loan

Home in Five Advantage

Up to 6% forgivable — 7% for heroes

Up to 6% DPA as forgivable second mortgage for Maricopa County buyers. Extra 1% for teachers, first responders, vets.

Arizona's Home 5 program provides 5% of the loan amount in DPA. The program pairs with competitive first mortgage rates and works with FHA, VA, and conventional loans across all Arizona counties.

AmountUp to 6% forgivable — 7% for heroes

TypeForgivable loan

Available inArizona

First-time buyer requiredNo

Minimum credit score640

Multi-unit eligibleSingle-family only

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

Arizona IDA HOME Plus Up to 5% — forgivable option available

Arizona · DPA program

Arizona Is Home 4% DPA + below-market rate

Arizona (rural) · DPA + rate discount

Pathway to Purchase $20,000

Arizona (select cities) · Grant

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We'll show you how to combine Home in Five Advantage with other programs to maximize your free money — personalized to your ZIP code and income.

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