Arizona DPA Income Limits by County: 2026 Guide

Arizona DPA Income Limits Explained

One of the most common questions we receive is: "What's the income limit for Arizona down payment assistance?" The answer depends on which program you're using.

Quick Answer: For HOME Plus, the income limit is $136,609 for all Arizona counties regardless of household size. PTHS limits in Pima County vary by household size.

HOME Plus Income Limits (All 15 Counties)

The Arizona IDA sets a single income limit for HOME Plus that applies statewide:

County	2026 Income Limit
Apache	$136,609
Cochise	$136,609
Coconino	$136,609
Gila	$136,609
Graham	$136,609
Greenlee	$136,609
La Paz	$136,609
Maricopa	$136,609
Mohave	$136,609
Navajo	$136,609
Pima	$136,609
Pinal	$136,609
Santa Cruz	$136,609
Yavapai	$136,609
Yuma	$136,609

What Counts as Household Income?

For HOME Plus, household income includes:

• All adults (18+) living in the home
• Gross income from all sources (before taxes)
• W-2 wages, self-employment income, investment income
• Alimony, child support, Social Security

NOT included:

• Income from household members under 18
• Full-time students (under certain conditions)
• Live-in aides

PTHS Income Limits (Pima County)

The Pima Tucson Homebuyer's Solution uses HUD Area Median Income (AMI) limits that vary by household size:

Household Size	2026 Limit (Approx.)
1 person	~$62,000
2 persons	~$71,000
3 persons	~$80,000
4 persons	~$89,000
5 persons	~$96,000
6+ persons	~$103,000+

PTHS limits are updated annually. Contact us for current limits.

Income Limit Strategies

If You're Close to the Limit

If your income is near $136,609, here are some legitimate strategies:

1. Time your application: Use your most recent tax return or pay stubs
2. Account for deductions: Self-employed borrowers may have lower qualifying income
3. Check household composition: Only adults 18+ living in the home count

If You're Over the Limit

If your income exceeds the HOME Plus limit, you may still have options:

• Conventional financing with 3-5% down payment
• Lender credits to cover closing costs
• Seller concessions to reduce out-of-pocket costs

Phoenix Metro Area Examples

Let's look at real examples for Maricopa County (Phoenix area):

Example 1: Single Buyer

• Income: $95,000/year
• HOME Plus Eligible? Yes ($95,000 < $136,609)
• Max DPA: ~$16,250 (5% of $325,000 loan)

Example 2: Married Couple

• Combined Income: $128,000/year
• HOME Plus Eligible? Yes ($128,000 < $136,609)
• Max DPA: ~$20,000 (5% of $400,000 loan)

Example 3: Over Limit

• Combined Income: $145,000/year
• HOME Plus Eligible? No ($145,000 > $136,609)
• Alternatives: Conventional loan with 3% down

Tucson/Pima County Examples

For buyers in Pima County, compare both programs:

Example: Family of 4

• Income: $82,000/year
• HOME Plus Eligible? Yes
• PTHS Eligible? Yes (under ~$89,000 limit for 4-person household)
• Best Choice: Compare both—HOME Plus has 3-year forgiveness; PTHS has 30-year forgiveness

Frequently Asked Questions

Are income limits updated annually?

Yes. Arizona IDA updates HOME Plus limits periodically. The $136,609 limit has been in effect since 2024.

Does overtime count toward income?

Yes, if you receive overtime regularly. Occasional overtime may be averaged or excluded.

Can I use DPA if I'm self-employed?

Yes! Self-employed buyers can qualify. We use your tax returns to calculate qualifying income, which is often lower than gross revenue.

What if my spouse doesn't work?

Only count income from adults who will be on the loan. A non-working spouse doesn't affect your eligibility.

Check Your Eligibility

Want to see if you qualify for Arizona DPA? Take our 60-second quiz or contact us:

• Tanner Cook: (480) 420-4918 | NMLS #2090424
• Zac Cook: (480) 406-2016 | NMLS #2111496

Cornerstone First Mortgage, NMLS #173855. Equal Housing Lender.