First-time home buyers in Arizona: start with your payment

Buying your first home is easier when you know what monthly payment you're comfortable with. Start there, then see homes that fit.

See homes at my payment

Opens the MABLS home search. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.

Arizona down payment assistance: Home Plus

The Arizona Industrial Development Authority's Home Plus program offers down payment and closing cost assistance of up to 4% of the loan amount with an eligible Home Plus mortgage. According to the program's site:

Household income limit: up to $155,386 (effective April 6, 2026; check the program site for current limits).
Homebuyer education is required.
The assistance is forgiven after 5 years (see program terms).

Program terms, limits, and availability are set by the program and can change at any time. Confirm details on the official site. Eligibility isn't guaranteed.

First-time buyer checklist

Pick a monthly budget you're comfortable with, including taxes and insurance.
Browse homes at that payment to see what's realistic in your area.
Check your credit and gather your pay stubs, W-2s, and bank statements.
Talk to a licensed loan officer about programs you may qualify for.

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Frequently asked questions

How much down payment help is available in Arizona?

The Home Plus program advertises assistance of up to 4% of the loan amount for eligible buyers using a Home Plus mortgage. Terms and limits can change, so check homeplusaz.com.

What is the Home Plus income limit?

The program lists a household income limit of up to $155,386, effective April 6, 2026. Check the official site for current figures.

Do I need homebuyer education?

Home Plus requires homebuyer education. Other programs have their own requirements.