Assistance program · Arizona
Open, per the source
Home Plus
Arizona IDA down payment assistance across Arizona: a second loan with no interest and no payments, forgiven after five years
At a glance
- Most it gives, per the source
- Up to 4% of the loan
- What its page says; your amount depends on the price and the loan.
- Kind of help
- Forgivable · Deferred
- Second loan forgiven if you stay in the home
- First-time buyer?
- Not stated — ask
- The source does not say whether you must be a first-time buyer
- Checked
- November 5, 2026
- Against the program's official page.
Type of help
What it is
- Second loan forgiven if you stay in the home
- Second loan with no payments until you sell or refinance
What it gives
Up to 4% of the loan
Source text
We offer a competitive interest rate along with up to 4% assistance for down payments and closing costs. … We have both forgivable and non-forgivable options to suit your needs. … No interest, no payment, deferred soft second mortgage. … The DPA second mortgage is completely forgiven after 5 years/60 months. … The homeowner can choose to refinance or sell their Home Plus first mortgage at any time. However, if a refinance or sale occurs within the first 60 months, the DPA second lien must be repaid. A summary of what the program publishes; not a loan offer or advice. Amounts, limits and funding change without notice.
At a glance
Who qualifies
Each answer comes from the program's page. "Not stated — ask" means its page doesn't make it clear: ask before you apply.
Source text
Home Plus is Available statewide, in all counties, cities, and zip codes throughout Arizona. … Borrower(s) annual income not to exceed $155,386.00 (as of 4/6/2026). … One borrower must complete a home buyer education course before closing. … Home Plus does not require a direct application from the homebuyer. The first step in the process is to select your lender, who will be your primary point of contact throughout the mortgage journey. - First-time buyers only Not stated — ask
- Homebuyer course required Yes
- Minimum credit score Not stated — ask
- Income limit Per the program table (by county and household size)
- Price limit Per the program table
- Mortgages it works with Conventional
- Immigration requirement Not stated — ask
- Accepts ITIN? Not stated — ask
- Spanish materials Not stated — ask
- Program status Open, per the source
- Where it applies All of Arizona
What its page says about being open
Additionally, the Home Plus DPA program is available year-round and does not deplete its funding. Read on the official page on November 5, 2026. homeplusaz.com
Your area in numbers
What buying costs in Arizona
The program covers all of Arizona. The first column is Arizona's figure; the second runs from the lowest to the highest among its counties. Limits change by county: check yours.
The program sets its maximum price in a table. Compare it with the typical home value in Arizona: $394,500.
The typical home value ($394,500) fits within Arizona's FHA limit ($541,287).
The program sets its income limit in its own table. For reference, HUD's low-income limit for 4 people in Arizona is $67,200.
| Figure | Arizona | Lowest to highest | Source |
|---|---|---|---|
| Typical home value | $394,500 | $63,700 (Apache County) to $452,800 (Maricopa County) | U.S. Census Bureau |
| FHA limit (one-unit home) | $541,287 | $541,287 (Apache County) to $609,500 (Coconino County) | HUD |
| Conforming limit (one-unit home) | $832,750 | $832,750 in all 15 counties | FHFA |
| HUD low income (80%), household of 4 | $67,200 | $53,200 (Santa Cruz County) to $89,900 (Pinal County) | HUD |
Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024) · FHA mortgage limits (HUD) (2026 data) · Conforming loan limits (FHFA) (2026 data) · Income Limits (HUD) (Fiscal year 2026)
Step by step
How to use it, step by step
Each step comes from what the program's page says. What its page leaves out is further down, in the questions.
Find a participating lender-
Confirm it is still open
Its page said it was open when we checked. These programs run out of money: look again before you start.
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Find your county in the income table
The limit changes with the county and the number of people in your household. Count the income of everyone the program asks you to add.
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Check your county's maximum price
The program sets a maximum price per county in its table.
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Take the homebuyer course
The program requires it. HUD-approved housing counseling agencies teach courses. Arizona has 21 agencies on HUD's list, and 17 serve people in Spanish.
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Pick a mortgage it works with
According to its page, the help is used together with a Conventional loan. Each loan type has its own requirements.
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Find a participating lender: state programs do not take applications directly; the lender reserves the assistance while processing your mortgage.
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Compare the total cost before you sign
Ask about the total cost. The mortgage with assistance may carry a higher rate than without it, and some programs charge for the course or a fee.
Before you call
What to ask
Its page leaves 5 points unclear. Write them down for when you talk to Arizona Industrial Development Authority.
What its page does not say
- Is it only for first-time buyers?
- What minimum credit score do you require?
- Which immigration status or residency documents do you ask for?
- Do you accept an ITIN?
- Do you have materials or staff in Spanish?
Worth asking for this kind of help
- After how many years is the loan forgiven, and what happens if I sell or refinance before then?
- When is the second loan repaid: when I sell, refinance or pay off the mortgage?
Against the others
How it compares with Arizona's other programs
The 2 programs we checked in Arizona, with the same fields from their official pages. "Doesn't say" means its page does not make it clear.
It is the only one of Arizona's 2 programs whose page does not say whether you must be a first-time buyer. It is one of 2 out of 2 that publish an amount with the figure in their own wording. One other program in the state also gives "forgivable" help: Home in Five Advantage. It covers the whole state; one program on the list is only for a city or a county. 2 of the 2 require a homebuyer course, this one included.
Swipe the table to see every column.
| Program | Kind of help | Published amount | First-time buyers only | Course required | Accepts ITIN | Where it applies |
|---|---|---|---|---|---|---|
| Home Plusthis programOpen, per the source | Forgivable · Deferred | Up to 4% of the loan | Doesn't say | Yes | Doesn't say | Statewide |
| Home in Five Advantage | Forgivable · Repayable | Up to 6% of the loan | No | Yes | Doesn't say | Maricopa County |
Sources
How we checked this program
We read the program's official pages on November 5, 2026 and copied their text as it appears on them. We add no amounts or requirements those pages do not state, and a program is listed as open or closed only when its page says so.
We check every program again. If more than 180 days pass without a check, the page says so.
Get free help applying
A HUD-approved housing counselor explains the program's requirements, goes over your numbers and tells you what to ask the lender. They do not sell loans.
Find a counselor (HUD)Read before you apply
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Help and programs
Down payment assistance: how it works
What down payment assistance is, the types that exist (grant, forgivable or deferred second loan, tax credit), who qualifies and where to find it.
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Help and programs
Homebuyer education courses: when you need one
What a homebuyer education course is, when Fannie Mae, Freddie Mac and assistance programs require one, and where to take it for free or in Spanish.
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Mortgage loans
Conventional loan: 3% down, PMI and credit scores
How a conventional loan works: HomeReady and Home Possible from 3% down, the credit score Fannie Mae requires, PMI and when the law ends it.
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.