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Idaho Heroes Loan Program (Heroes Second Mortgage)

Idaho Heroes Loan Program (Heroes Second Mortgage) is a first mortgage + repayable second dpa for essential workers from Idaho Housing and Finance Association (IHFA). Available statewide in Idaho. First-time buyer status is not required. Income limit: $170,000 household income.

Amount varies by program
Listed as open as of May 26, 2026

Available statewide in Idaho.

First-time buyerNot required
Income limit$170,000 household income
Minimum credit score620
OccupationsTeachers, firefighters, nurses/healthcare, paramedics, EMTs, law enforcement, active-duty military, veterans, retail workers
Sales price capStandard IHFA limits
Amount notesUp to 7% of purchase price as 15-yr fixed second mortgage
NotesHelps essential workers buy with zero cash to close.
Phone855-505-4700
Source Idaho Housing and Finance Association (IHFA)·official program page·Listed
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: Idaho Housing and Finance Association (IHFA) · program details at the provider’s site.

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