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Arizona program

Home in Five Advantage targeted-group add-on for first responders, teachers, military, and veterans

Arizona route through Maricopa County Industrial Development Authority and Phoenix Industrial Development Authority. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Targeted-group add-on layered into Home in Five second-mortgage assistance Multiple repayment paths 2026-04-20
Agency Maricopa County Industrial Development Authority and Phoenix Industrial Development Authority
Support type Targeted-group add-on layered into Home in Five second-mortgage assistance
Amount highlight Current Home in Five materials show targeted borrower groups such as first responders, K-12 teachers, and qualified U.S. military personnel or veterans receive an additional 1% down payment assistance layer above the base Home in Five Advantage levels. Current public BOOST training materials also show certain targeted borrowers who meet BOOST qualifications can receive a 1.5% extra layer, with total current down payment assistance options ranging from 3% to 6% depending on the selected second-loan structure.
Last verified 2026-04-20

Use carefully

Targeted-borrower extra assistance depends on product code

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The extra 1% targeted-group layer is real, but buyers should confirm with their participating lender whether their file is using the current April 1, 2026 7-year AZ is Home path, another Home in Five second-loan option, or a BOOST-qualified variant that can raise the extra layer to 1.5%.

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What stays free on this program page

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Amount

Current Home in Five materials show targeted borrower groups such as first responders, K-12 teachers, and qualified U.S. military personnel or veterans receive an additional 1% down payment assistance layer above the base Home in Five Advantage levels. Current public BOOST training materials also show certain targeted borrowers who meet BOOST qualifications can receive a 1.5% extra layer, with total current down payment assistance options ranging from 3% to 6% depending on the selected second-loan structure.

Type

Targeted-group add-on layered into Home in Five second-mortgage assistance

Repayment

The targeted-group extra assistance follows the Home in Five second-loan structure chosen for the file rather than acting like a separate stand-alone grant. Current public materials describe 3-year, 7-year, and 30-year interest-free forgivable second mortgages with payoff due if the home is sold, transferred, or refinanced before the forgiveness period ends, plus a 10-year amortizing second mortgage with monthly payments at 6% interest. The April 1, 2026 AZ is Home path specifically uses a 7-year forgivable second mortgage with no payments due unless the home is sold, transferred, or refinanced before the 84th month.

First-time buyer

Varies

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

First responders, K-12 teachers, Qualified U.S. military personnel, Qualified veterans

What support do you get?

Current Home in Five materials show targeted borrower groups such as first responders, K-12 teachers, and qualified U.S. military personnel or veterans receive an additional 1% down payment assistance layer above the base Home in Five Advantage levels. Current public BOOST training materials also show certain targeted borrowers who meet BOOST qualifications can receive a 1.5% extra layer, with total current down payment assistance options ranging from 3% to 6% depending on the selected second-loan structure.

Do you repay it?

The targeted-group extra assistance follows the Home in Five second-loan structure chosen for the file rather than acting like a separate stand-alone grant. Current public materials describe 3-year, 7-year, and 30-year interest-free forgivable second mortgages with payoff due if the home is sold, transferred, or refinanced before the forgiveness period ends, plus a 10-year amortizing second mortgage with monthly payments at 6% interest. The April 1, 2026 AZ is Home path specifically uses a 7-year forgivable second mortgage with no payments due unless the home is sold, transferred, or refinanced before the 84th month.

How do you apply?

Apply through a trained Home in Five Advantage participating lender, use an eligible 30-year fixed FHA, VA, or Fannie Mae HFA Preferred or Freddie Mac HFA Advantage first mortgage, complete the required 8-hour Arizona-based homebuyer education course, and have the lender confirm the correct targeted-borrower or BOOST product code before reservation.

Official source evidence

The current public BOOST training deck says targeted groups receive an additional 1% of assistance for first responders, K-12 teachers, and qualified military or veterans, and that targeted borrowers with BOOST qualifications can reach an additional 1.5% layer. The current Resources for Lenders page also says that starting April 1, 2026, Home in Five Advantage brought back the 7-year forgivable second-mortgage option with total down payment assistance ranging from 3% to 6% under the State's AZ is Home program.

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Last verified

2026-04-20

Effective date not captured.

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Comparison preview

Home in Five Advantage targeted-group add-on for first responders, teachers, military, and veterans

Amount: Current Home in Five materials show targeted borrower groups such as first responders, K-12 teachers, and qualified U.S. military personnel or veterans receive an additional 1% down payment assistance layer above the base Home in Five Advantage levels. Current public BOOST training materials also show certain targeted borrowers who meet BOOST qualifications can receive a 1.5% extra layer, with total current down payment assistance options ranging from 3% to 6% depending on the selected second-loan structure.

Repayment: The targeted-group extra assistance follows the Home in Five second-loan structure chosen for the file rather than acting like a separate stand-alone grant. Current public materials describe 3-year, 7-year, and 30-year interest-free forgivable second mortgages with payoff due if the home is sold, transferred, or refinanced before the forgiveness period ends, plus a 10-year amortizing second mortgage with monthly payments at 6% interest. The April 1, 2026 AZ is Home path specifically uses a 7-year forgivable second mortgage with no payments due unless the home is sold, transferred, or refinanced before the 84th month.

First-time buyer: Varies

Risk checks preview

What gets flagged before you call a lender

  • Home in Five Advantage targeted-group add-on for first responders, teachers, military, and veterans requires a participating lender.
  • Home in Five Advantage targeted-group add-on for first responders, teachers, military, and veterans must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Home in Five Advantage targeted-group add-on for first responders, teachers, military, and veterans for this household and loan setup?
  • Which first-mortgage product must be paired with Home in Five Advantage targeted-group add-on for first responders, teachers, military, and veterans, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official Home in Five Advantage homepage for Home in Five Advantage targeted-group add-on for first responders, teachers, military, and veterans
  • Ask whether your lender is approved for this exact program and loan structure.
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city and county programs

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1 tracked

employer-assisted paths

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