The Home Plus Program provides a competitive 30 year fixed rate mortgage with a down payment assistance grant up to 5% of the loan amount on a home purchased in Arizona (except Maricopa and Pima counties). Income limitations are county specific and debt-to-income ratio limitations apply. You do not need to be a First-Time Home Buyer, however you must meet minimum credit score requirements and FHA, VA, and USDA guidelines. Each county has different purchase price limitations.

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  • No first-time homebuyer requirement
  • 30-year fixed rate loans are eligible including FHA, VA or USDA-RD
  • FHA Minimum 660 FICO score
  • VA and USDA Minimum 640 FICO Score
  • Maximum 45% debt-to-income (DTI) ratio
  • Maximum Credit Qualifying Income: $92,984
  • Maximum Home Purchase Price: $371,936 maximum