844-967-5247
AZ Mortgage
Loan ProgramsArizona First-Time Homebuyer Programs

Arizona First-Time Homebuyer Programs

Down payment assistance and low-down-payment options for first-time AZ buyers

Overview

How First-Time Buyer Works

Buying your first home in Arizona comes with its own set of programs designed to lower the barrier to entry — reduced down payment requirements, down payment assistance, and buyer education. Arizona runs two of the more established down payment assistance programs in the country: Home Plus ("Arizona Is Home"), a statewide program through the Arizona Department of Housing, and Home in Five Advantage, a Maricopa County-specific program. We connect first-time buyers with lending partners who work with these programs and national first-time buyer options so you know every option on the table before you shop.

See My Loan Options
Arizona First-Time Homebuyer Programs

Key Benefits

Guidance on Arizona's Home Plus ("Arizona Is Home") statewide down payment assistance program
Guidance on Home in Five Advantage for qualifying Maricopa County buyers
Low-down-payment conventional and FHA options built for first-time buyers
Plain-language walkthrough of the mortgage process from pre-approval to closing
Help understanding first-time-buyer eligibility rules and income limits where they apply

Who This Is For

Arizona residents purchasing their first home
Buyers who haven't owned a home in the past three years (often still 'first-time' under program rules)
Maricopa County buyers who may qualify for Home in Five Advantage, or buyers anywhere in Arizona exploring Home Plus

First-Time Buyer — Frequently Asked Questions

Arizona's two most established programs are Home Plus ("Arizona Is Home"), a statewide program through the Arizona Department of Housing that pairs a fixed-rate mortgage with down payment assistance, and Home in Five Advantage, a Maricopa County-specific program offering down payment and closing-cost assistance for qualifying buyers. Eligibility, available funds, and terms can change, so a matched lending partner can confirm current details and whether you qualify.

Ready to see your Arizona loan options?

No obligation. No hard credit pull to get started. Answers in minutes.

See Loan Options844-967-5247