Arizona DPA Program Matcher
See all current Arizona DPA figures (last verified June 21, 2026) →
Answer 5 quick questions. We'll show you which Arizona down payment assistance programs likely fit your scenario — and which probably don't. Illustrative only; actual eligibility requires a full conversation.
Arizona down payment assistance: common questions
Do you have to pay back down payment assistance in Arizona?
It depends on the program. Home Plus is a forgivable, deferred soft second with no monthly payment, so most borrowers never repay it. Home in Five works the same way. Some national programs (Chenoa, Arrive Home) forgive the assistance after you stay in the home a set number of years, while a few options are a true repayable second. The matcher above flags which type each program uses for your scenario. See the current DPA figures for lien terms.
How much down payment assistance can I get in Arizona?
Home Plus gives up to 4% statewide, plus an extra 1% for Active Duty military and Veterans, for up to 5% total. Home in Five (Maricopa County only) gives up to 5%, plus 1% for teachers, first responders, military, and Veterans, plus a 0.5% BOOST in qualifying census tracts, for up to 6.5% total. The exact percentage rides on the program, your loan type, and where the home sits. Run the matcher to see your shortlist.
What credit score do I need for Arizona down payment assistance?
There is no single Arizona DPA credit score; it depends on the program. Home Plus requires a 620 middle FICO and Home in Five requires 640. FHA financing on its own allows scores down to 580. A couple of national programs go as low as 600. If you are under your program's floor, call Mike and we can map a credit plan. Details live on the full programs list.
What are the income limits for Arizona DPA?
Home Plus caps borrower income at $155,386, or $146,503 when paired with the HFA first-mortgage products. Home in Five caps total household income at $157,360 as of June 10, 2026. These are the verified 2026 figures, not the stale numbers floating around the web. Income is calculated by program rules, so the matcher uses brackets, not a single number. Check the current figures page for the latest caps.
Do I have to be a first-time buyer to use Arizona DPA?
No. Home Plus and Home in Five both allow repeat buyers, so you do not have to be a first-time homebuyer. Where "first-time" rules do apply, the standard definition is no ownership of a primary residence in the past three years. A few city programs (like Flagstaff CHAP) do require first-time status. The matcher asks about ownership so it only shows programs you actually qualify for.
Home Plus vs Home in Five — which is better?
Home Plus is statewide and gives up to 5% with the Veteran add-on. Home in Five is Maricopa County only and gives up to 6.5% with its bonuses, so it usually wins on dollar amount if you are buying in Phoenix, Mesa, Chandler, Scottsdale, Gilbert, or Tempe. Home Plus needs a 620 minimum FICO and Home in Five needs 640, and both allow repeat buyers. Outside Maricopa, Home Plus is your main HFA option. Mike compares both on the call.
Can I combine two DPA programs in Arizona?
No. You choose one DPA program per home purchase, and Arizona DPA programs do not stack with each other. What the assistance does layer with is your first mortgage, so a single DPA program pairs with FHA, VA, USDA, or conventional financing. That pairing is the standard arrangement. The matcher always returns a shortlist so you can pick the single best fit, not a stack.
Does Arizona DPA work with FHA, VA, USDA, and conventional loans?
Yes, all four. Home Plus pairs with FHA, VA, USDA, or conventional financing, and Home in Five pairs with FHA, VA, or conventional. Your loan type affects pricing and the income cap that applies, which is why the matcher and Mike look at the full picture. Veterans should ask about the 1% military add-on. See the programs list for how each pairing works.
Is down payment assistance always the right move?
No. DPA can carry slightly higher first-mortgage pricing, so if you already have savings for the down payment, the math sometimes favors skipping it. Mike will tell you when DPA is not the right call instead of pushing it. We run both scenarios, with and without assistance, so you see the real cost. No pressure and no script. Start with the free consult.