Updates, Details, Training, and more!
Arizona IDA’s Arizona is Home Program
The 2026 Arizona is Home Program continues to provide valuable homeownership opportunities across Arizona. Annual funding for the program is capped at $55 million. With approximately $37 million in funding still available, we anticipate program availability through September, making now an excellent time to help eligible borrowers take advantage of this opportunity.
Updated Arizona is Home County AMI Limits
Effective with all new reservations, on or after July 1, 2026, the Arizona is Home Program will implement updated Area Median Income (AMI) limits for the following counties:
County | 100% AMI | Change |
Apache | $66,300 | Increase |
Cochise | $78,500 | Increase |
Coconino | $106,000 | Increase |
Gila | $78,900 | Increase |
Graham | $84,100 | Increase |
Greenlee | $83,500 | Decrease |
La Paz | $66,300 | Decrease |
Mohave | $79,900 | Increase |
Navajo | $66,300 | Decrease |
Pinal | $112,400 | Increase |
Santa Cruz | $66,300 | Increase |
Yavapai | $92,200 | Increase |
Yuma | $79,300 | Increase |
*THE DPA TERM FOR THE 2026 ARIZONA IS HOME WILL BE NON-FORGIVABLE AND THE ENTIRE BALANCE DUE UPON SALE OR REFINANCE.
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Hilltop Securities (HTS)
Home+Plus County income limit for all counties in Arizona is $155,386.00.
Below is lender-focused information about the Arizona IDA’s Arizona Is Home Down Payment Assistance Program for Arizona homebuyers. This overview covers homebuyer requirements, application steps, interest rates, and other key details. You will also find training and support resources, including PDF presentations and video sessions.
If you need more information or want to inquire about team or group training, whether online or in person, please contact us. We can help you find the best options for you and your team.
The Arizona IDA’s Arizona Is Home Mortgage Assistance Program is a first-time homebuyer program that provides below-market 30-year fixed interest rates combined with 4% of down payment assistance/closing cost assistance.
The Program is available in the following Arizona Counties: Apache, Cochise, Coconino, Gila, Graham, Greenlee, La Paz, Mohave, Navajo, Pinal, Santa Cruz, Yavapai, and Yuma. Eligible homebuyers must have annual incomes at or below 100% of the Area Median Income (temporarily up from 80% AMI). The Arizona IDA offers the Arizona Is Home Program in all Arizona Counties except for Pima County, Maricopa County, and Chino Valley, Arizona.
The Arizona IDA’s Arizona Is Home Homebuyer Down Payment Assistance Program provides first mortgage financing and down payment/closing cost assistance to eligible mortgagors.
The down payment/closing cost assistance is in the form of a non-forgivable second-lien loan to the borrower.
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Please refer to the Program Guidelines, available in the Lender Portal under “Program Documents”.
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This Program Summary is a complement to and not a substitute for Arizona Is Home program guidelines.
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FHA, Freddie Mac HFA Advantage, Fannie Mae HFA Preferred, VA, USDA-RD, and HUD 184–Tribal, guidelines apply except as modified by this Program Summary for the purpose of this program only.
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The Arizona IDA is QM/ATR exempt.
1) Offering a below-market 30-year fixed interest rate combined with 4% down payment assistance.
2) Available only in the 13 rural Arizona Counties except Maricopa, Pima, and Chino Valley, Arizona.
3) Eligible borrowers must be first-time homebuyers making less than 100% AMI (temporarily up from 80%).
1) Manual underwrite and NOCB are not allowed.
2) Properties located in Maricopa & Pima counties, or in Chino Valley, Arizona, are not allowed.
1) Existing HOME PLUS approved lenders can access the program through the HOME PLUS DPA online platform.
2) Except for a pre-closing review by the Arizona IDA, the process is similar to the HOME PLUS down payment assistance program.
3) The DPA is non-forgivable and due upon sale or refinance.
4) Lender compensation is 1.50% SRP and 1% origination.
5) Normal mortgage revenue bond rules apply.
All existing, approved HOME PLUS mortgage lenders are eligible to participate in the ARIZONA IS HOME program. Since mortgage revenue bonds are used for the financing of the Arizona Is Home program, an additional addendum to the existing mortgage origination agreement applies. By participating in the Arizona Is Home program, the lender acknowledges the terms and conditions of this addendum. Furthermore, any future DPA offerings financing via mortgage revenue bonds will also be subject to the terms and conditions of the addendum. Click below for a copy of the addendum.
The full program guidelines as well as other program supporting documents can be found under the Program Documents tab on our HTS/Emphasys-Lender Online system.
We have compiled comprehensive documentation and video presentations for your educational purposes. While some information pertains exclusively to a single DPA option, other content is applicable to both the Home Plus and Arizona IDA’s Arizona Is Home DPA programs. The PDF files and videos are updated as necessary.