Arizona 'Home in Five' Program: A 2026 Guide
For many first-time homebuyers in Maricopa County, the biggest hurdle to homeownership is saving for the down payment. The Home in Five Advantage program is one of the most popular solutions, providing a generous gift to help you buy a home with little to no money out of pocket.
This program is a key part of our first-time home buyer strategy.
What is the Home in Five Program?
The Home in Five program provides eligible homebuyers in Maricopa County with a grant (a gift that doesn't have to be repaid) for their down payment and closing costs. This grant is typically equal to 4% to 5% of the loan amount.
Who is Eligible?
While subject to change, the general requirements are:
- Location: The property must be located in Maricopa County.
- Income Limits: Your total household income must be below a certain limit (e.g., around $122,100, but check for current figures).
- Credit Score: You'll need a minimum credit score, typically 640.
- Debt-to-Income Ratio: Your DTI must be within acceptable limits (often 50% or less).
- Homebuyer Education: You must complete a homebuyer education course.
Extra 1% Bonus for "Heroes"
The program offers an additional 1% in assistance (for a total of 5% or 6%) to qualified "Heroes," which includes:
- Veterans and active-duty military
- First responders (police, firefighters, EMTs)
- Teachers
- Medical professionals
The Bottom Line
The Home in Five program is an incredible opportunity to buy a home sooner than you ever thought possible. As a lender approved for this program, I can help you see if you qualify and navigate the entire process from start to finish.
Think you might be eligible? Apply today and let's get you on the path to homeownership!
Jonathan Moses
Senior Loan Officer | NMLS #2064741
This guide was prepared by Jonathan Moses (NMLS #2064741), the senior loan officer and founder of Roadrunner AZ Lending. With years of experience in the Phoenix and Scottsdale markets, Jonathan is dedicated to providing expert, transparent advice. Learn more about Jonathan.