Phoenix · Maricopa County, AZ · NMLS# 667008

Phoenix Down Payment Assistance

Help with your down payment and closing costs for homes in Phoenix and across Maricopa County. Here are the main programs I look at for Phoenix-area buyers. Work with me however you like. Most clients handle everything by phone, email, text, and Zoom, and you are always welcome at my office in Tucson for a face-to-face meeting.

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Not ready to apply yet? Get Prequalified · Call (520) 495-8989

Home in Five Open Doors Quick check Today's rate Get prequalified

Prequalification is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.

Overview

Phoenix Programs at a Glance

Maricopa County

Home in Five Advantage

From the Industrial Development Authorities of the City of Phoenix and Maricopa County. Up to 6% of the first mortgage as a second mortgage. Not limited to first-time buyers for most options. No purchase price limit.

Home in Five details

City of Phoenix

Open Doors

From the City of Phoenix Housing Department. Up to 10% of the purchase price as a 0% deferred loan, forgiven after the affordability period. For first-time buyers at or below 80% of area median income.

Open Doors details

Statewide AZ

HOME Plus

Arizona IDA's statewide program also covers Maricopa County. Up to 4% assistance, forgiven after 5 years, 620 minimum credit score.

See HOME Plus

Nationwide

In-House DPA

Over the income limits, or carrying higher debt ratios? My in-house option has no income limits and a 600 minimum credit score. Ask me for current terms.

See in-house DPA

Maricopa County

Home in Five Advantage

Home in Five Advantage is offered by the Industrial Development Authorities of the City of Phoenix and the County of Maricopa. Per the Phoenix IDA, the program has provided down payment assistance since 2012. It pairs an FHA, VA, or conventional HFA first mortgage with a second mortgage for your down payment and closing costs.

Key facts

Eligible area: homes purchased within Maricopa County, including the City of Phoenix.
Assistance: 3%, 4%, 5%, or 6% of the first mortgage amount, depending on the option. There is no dollar cap. Proceeds can fund up to 100% of your cash to close.
Income limit: $157,360 program income limit. Some options have lower limits: $134,880 (120% AMI) for the 7-year forgivable option with FHA or VA, and $89,920 (80% AMI) for certain conventional options.
Credit: 640 minimum credit score for all borrowers, with automated underwriting approval.
Debt-to-income: up to 50%, per the program homepage.
First-time buyers: not required, except for the 7-year forgivable option.
Purchase price: not limited by the program. Conforming loan limits apply.
Homebuyer education: an 8-hour course through an Arizona-based HUD-approved housing counseling agency, completed before closing.
Occupancy: you must live in the home as your primary residence. New purchases only.

Assistance options

Option	Size	How it works
3-year forgivable	3% to 6%	FHA or VA. 0% interest, no payment. Forgiven 1/36th per full month while you live in the home.
7-year forgivable	3% to 6%	FHA, VA, or conventional HFA. 0% interest, no payment. Forgiven 1/84th per full month. First-time buyers who have lived in Arizona at least six months. See the funding note below.
30-year deferred	3% to 5%	Conventional HFA. 0% interest, no payment. Due on sale, transfer, or refinance. Forgiven at the 30-year anniversary.
10-year repayable	3% to 6%	FHA, VA, or conventional HFA. A monthly payment is required and counts in your debt-to-income ratio. Not forgiven. Ask me for current terms.

Funding note: per the program's lender page, as of June 25, 2026, funds for the 7-year forgivable option paired with a 30-year first mortgage were fully used, and more funds were not expected. The separate Home in Five Platinum program's funds were fully used as of June 9, 2026. Availability changes, so I confirm the options open on the day we lock. Program rules and eligibility apply.

Sources: Home in Five homepage, Down Payment Assistance Guidelines (effective 6/10/2026), Conventional Program matrix, Resources for Lenders. The homepage showed a $153,440 income figure when checked. The newer DPA Guidelines dated 6/10/2026 show $157,360, which is used here.

Today's Home in Five rates: the program sets its rates and updates them for participating lenders every business day, so I do not post a rate here that could be out of date. Tap Get today's rate and I will send you today's rate personally. Your rate depends on the loan type, your credit, and the assistance option you choose. Program details: Home in Five Advantage.

Apply Now Get today's rate Call (520) 495-8989

City of Phoenix

Open Doors Down Payment Assistance

Open Doors is run by the City of Phoenix Housing Department for first-time buyers purchasing inside Phoenix city limits. The City says the amount of assistance is based on need, and reservations for funding are limited.

Assistance: up to 10% of the purchase price, as a deferred payment loan with 0% interest and no monthly payments.
Forgiveness: fully forgiven after the period of affordability, which can be up to 15 years depending on the loan amount. Repayment is due on sale, change in residency, or refinance during that period.
Buyer: a first-time homebuyer as defined by FHA, with household income at or below 80% of area median income (table below).
Home: inside the City of Phoenix, priced at or below $470,250, an eligible property type, and it must pass a property inspection.
Requirements: an 8-hour pre-purchase homebuyer education class and one-on-one counseling with a HUD-approved housing counseling agency. Minimum buyer investment of $1,000, or the first mortgage lender's requirement if greater. A minimum two-year home warranty. No cash back at closing.
Layering: the City says Open Doors can be layered with other homeownership down payment assistance programs.
How to start: the City lists Trellis and CPLC as loan administration partners for appointments. I can work alongside them on your first mortgage.

Open Doors income limits (80% AMI)

Household size	Maximum annual income
1	$62,950
2	$71,950
3	$80,950
4	$89,900
5	$97,100
6	$104,300
7	$111,500
8	$118,700

Sources: City of Phoenix Homeownership Opportunities and the Open Doors fact sheet (dated August 25, 2026, income limits effective June 1, 2026). Program subject to change without notice.

Quick check

Do I Qualify? Phoenix Quick Check

A quick screen against the published limits. It is not an approval. I confirm everything with current guidelines.

Rates

Get Today's Phoenix Program Rate

Rates change daily, so I send today's rate to you personally.

Apply Now Get today's rate Get today's rate

Not a commitment to lend or a rate lock. Your actual rate, APR, and costs depend on your scenario and are confirmed in your Loan Estimate.

FAQ

Phoenix Down Payment Assistance FAQs

Do I have to be a first-time buyer for Home in Five Advantage?

Not for most options. The program matrix says it is not limited to first-time homebuyers. The 7-year forgivable option is the exception. It is limited to first-time buyers who have lived in Arizona at least six months. Program rules and eligibility apply.

How much assistance does Home in Five Advantage offer?

Up to 6% of the first mortgage amount, depending on the option and loan type. The assistance is a second mortgage. Depending on the option, it can be forgiven over 3 years, 7 years, or at 30 years, or repaid over 10 years. Program rules and eligibility apply.

Is Home in Five only for the City of Phoenix?

No. Home in Five covers homes purchased anywhere in Maricopa County, including the City of Phoenix. The City of Phoenix Open Doors program is only for homes inside Phoenix city limits.

What credit score do I need?

Home in Five Advantage lists a 640 minimum credit score for all borrowers, with automated underwriting approval. HOME Plus, which is also available in Maricopa County, lists 620.

Can I combine Open Doors with Home in Five?

The City of Phoenix says Open Doors can be layered with other homeownership down payment assistance programs. Whether a specific combination works depends on both programs' rules and funding at the time. Ask me and I will confirm before you make an offer.

Do I need to meet you in person?

No. Everything can be done remotely by phone, email, text, and Zoom, and that is how most of my clients work with me. You are always welcome to meet at my office in Tucson, 5210 E Williams Circle, Suite 500, anytime. Just call ahead to set a time.

Is there a homebuyer class?

Yes. Home in Five requires an 8-hour homebuyer education course through an Arizona-based HUD-approved housing counseling agency, completed before closing. Open Doors requires the 8-hour class plus one-on-one HUD-approved housing counseling.

Get Prequalified for Phoenix Down Payment Assistance

Tell me about your plans. I will check Home in Five, Open Doors, HOME Plus, and my in-house option for you.

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Where are you buying? Timeline

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Prefer to talk? Call or text (520) 495-8989 or apply online.

Important information

Program availability, terms, interest rates, income and purchase price limits, and assistance amounts are set by each program administrator and can change or end at any time without notice. Assistance funds may be limited. The information on this page was checked against the official program sources linked above on October 16, 2026. It is general education only. Always confirm current guidelines with me before you make decisions.

This is not a commitment to lend, a loan approval, or a rate lock. All loans are subject to credit approval, underwriting, property eligibility, and program guidelines. Not all applicants will qualify. Rates shown on official program pages are not offered by this website and may not be available to you.

The Pima-Tucson Homebuyer's Solution is offered by the Industrial Development Authorities of the County of Pima and the City of Tucson and administered by eHousingPlus. Homes for Texas Heroes and Home Sweet Texas are programs of the Texas State Affordable Housing Corporation (TSAHC). These agencies do not endorse any lender. Andy Braun and Neighborhood Loans are not government agencies.

Andy Braun, Senior Loan Officer | Sales Manager, NMLS #667008, AZ LO-1006099. Neighborhood Loans, Inc. NMLS #222982, AZ BK 1004602. Licensed in Arizona, Texas, and California. Equal Housing Lender. Verify licensing at nmlsconsumeraccess.org.