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IHFA Down Payment and Closing Cost Assistance (Second Mortgage)

IHFA Down Payment and Closing Cost Assistance (Second Mortgage) is a repayable second mortgage dpa 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
OccupationsOpen to all
Sales price capTied to IHFA First Loan limits
Amount notesUp to 7% of lesser of sales price or appraised value (up to 8% on some products)
NotesPrimary DPA structure used by IHFA in 2026; pairs with First Loan.
Phone855-505-4700 ext 8600
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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