Arizona down payment assistance with Home Plus
Pick your Arizona county, your income and the price: what Home Plus pays you, and the cash and monthly payment with and without it.
Help you may get in Maricopa County
$16,212
Home Plus Down Payment Assistance: forgivable loan, 5 years. 1 program likely fit, 0 to check.
| Your income vs. area median for 3 people | 97% |
| HUD 80% income limit, 3 people | $80,950 |
| Down payment at 3.5% | $14,700 |
| Cash still needed with the help | $0 |
| Monthly payment, no help | $2,806 |
| Monthly payment, with the help | $2,806 |
| FHA limit · conforming limit | $557,750 · $832,750 |
Programs read on the Arizona Industrial Development Authority (Arizona IDA), Home Plus program pages; HUD FY 2026 limits; payment = principal and interest over 30 years at 7.4% (Freddie Mac, October 15, 2026). The approved lender confirms eligibility.
| Program | Fit | Amount | Form | Why |
|---|---|---|---|---|
| Home Plus Down Payment Assistance | Likely fits | $16,212 | Forgivable loan, 5 years | income, price and buyer fit |
Prepared by Radif Partners · Method · updated: HUD 2026 limits effective May 1, 2026 · Freddie Mac rate of October 15, 2026 · programs read on October 21, 2026
Arizona's statewide help comes from the Arizona Industrial Development Authority through Home Plus, a program open to first-time and repeat buyers alike. It pays up to 4% of the first mortgage for the down payment and closing costs, as a second mortgage with no interest and no payment that is forgiven in full after five years, or 60 months; sell or refinance before that and it is repaid. Its income cap is the same in every county, $155,386 as of April 6, 2026, which makes Arizona one of the simplest states to read: there is no county table to look up. In Maricopa County, a household of three earning $98,000 and buying at $420,000 with an FHA loan receives $16,212, and the cash for the down payment falls from $14,700 to $0. The second Arizona IDA program, Arizona Is Home, has used its 2026 funds.
Home Plus, in the authority's own words
| Program | Amount | Repayment (agency wording) | First-time only | Min. credit | Status |
|---|---|---|---|---|---|
| Home Plus Down Payment Assistance | up to 4% assistance for down payment and closing costs (forgivable and non-forgivable options) | no interest, no payment, deferred soft second mortgage, completely forgiven after 5 years (60 months); repaid if the first mortgage is refinanced or the home sold within the first 60 months | no | open |
The amount is a share of the loan, so it moves with the loan type: on an FHA purchase with 3.5% down, 4% of the loan is a little more than the minimum down payment, and the surplus pays closing costs. Home Plus also exists in a version that is not forgiven; the lender explains which one comes with the rate it quotes you.
One cap, very different counties
| County | HUD median (4 people) | HUD 80% limit (3 people) | FHA limit | Conforming limit |
|---|---|---|---|---|
| Maricopa County | $112,400 | $80,950 | $557,750 | $832,750 |
| Pima County | $99,800 | $71,900 | $541,287 | $832,750 |
| Pinal County | $112,400 | $80,950 | $557,750 | $832,750 |
| Yavapai County | $92,200 | $68,700 | $541,287 | $832,750 |
| Coconino County | $106,000 | $80,650 | $609,500 | $832,750 |
| Yuma County | $79,300 | $57,500 | $541,287 | $832,750 |
| Mohave County | $79,900 | $57,550 | $541,287 | $832,750 |
| Cochise County | $78,500 | $56,350 | $541,287 | $832,750 |
A single statewide figure means the same $155,386 applies in Apache County, where the HUD median for four is $54,600, and in Maricopa, where it is $112,400. In rural counties nearly every buyer fits; in the Phoenix and Flagstaff areas a dual-income household can cross the line. Household size does not change the cap, unlike the bond programs of most other states.
Your Arizona county
Help you may get in Pima County
$12,738
| Your income vs. area median for 2 people | 94% |
| HUD 80% income limit, 2 people | $63,900 |
| Down payment at 3.5% | $11,550 |
| Cash still needed with the help | $0 |
A Phoenix-area purchase, worked through
| Program | Result | Amount | Why |
|---|---|---|---|
| Home Plus Down Payment Assistance | Likely fits | $16,212 |
Raise the income to $160,000 and the household is over the cap: Home Plus no longer fits and no other statewide program remains. The five-year forgiveness is all or nothing: on the 59th month the full amount is still owed, which the forgivable loans page shows year by year.
Before you sign in Arizona
Home Plus is reserved by a participating lender together with the first mortgage, and the homebuyer course must be done before closing. Because the help is tied to the lender's rate, compare the Home Plus quote with a plain FHA or conventional quote on the same day. City and county programs are not in the calculator, since we only read the statewide authority; your city's housing department can tell you whether one can be added on top of Home Plus, and the lender whether it accepts the combination. Keep the closing date: it starts the 60 months that end the repayment.
Arizona Is Home: 2026 funds exhausted, retired for the rest of the year according to the Arizona IDA notice of October 6, 2026.