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IHFA Forgivable Loan (Forgivable Second Mortgage)

IHFA Forgivable Loan (Forgivable Second Mortgage) is a forgivable deferred second mortgage dpa from Idaho Housing and Finance Association (IHFA). Available statewide in Idaho. First-time buyer status is not required. Income limit: Lower-income tier; reduced from $170k cap (varies).

Amount varies by program
Limited funding as of May 26, 2026

Available statewide in Idaho.

First-time buyerNot required
Income limitLower-income tier; reduced from $170k cap (varies)
Minimum credit score620
OccupationsOpen to all
Sales price capIHFA-conforming
ForgivableYes
Amount notesUp to 3.5% of sales price (subject to product availability)
NotesMost lender-attractive DPA; less common in 2026 - check availability.
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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