Down payment assistance in Idaho

35 programs are listed for Idaho: grants, forgivable loans, deferred seconds, first mortgage products and tax credits from state, city, tribal, nonprofit and regional providers. Every amount and rule below comes from the provider’s published terms.

Browse by county

• Ada County
  1 local program
• Bannock County
  1 local program

Statewide programs

• Idaho Housing Bond Loan (Repayable 2nd)
  Repayable 2nd mortgage · Amount varies by program · Idaho Housing Finance Assn (IHFA)
• Idaho Housing First Loan Program
  First mortgage (conventional, FHA, VA, USDA-RD) · Amount varies by program · Idaho Housing and Finance Association (IHFA)
• IHFA Down Payment and Closing Cost Assistance (Second Mortgage)
  Repayable second mortgage DPA · Amount varies by program · Idaho Housing and Finance Association (IHFA)
• IHFA Forgivable Loan (Forgivable Second Mortgage)
  Forgivable deferred second mortgage DPA · Amount varies by program · Idaho Housing and Finance Association (IHFA)
• Idaho Heroes Loan Program (Heroes Second Mortgage)
  First mortgage + repayable second DPA for essential workers · Amount varies by program · Idaho Housing and Finance Association (IHFA)
• Mortgage Credit Certificate (MCC) Program
  Federal income tax credit certificate · Amount varies by program · Idaho Housing and Finance Association (IHFA)
• Tax-Exempt Mortgage Revenue Bond Program
  Below-market first mortgage (bond-financed) · Amount varies by program · Idaho Housing and Finance Association (IHFA)
• Idaho First-Time Home Buyer Savings Account Deduction
  State income tax deduction (matched-savings style) · Amount varies by program · Idaho State Tax Commission
• NeighborWorks Boise Homebuyer Programs
  Homebuyer education + DPA grants + low-interest mortgage products · Amount varies by program · NeighborWorks Boise (NHS Lending Inc.)
• LEAP Housing Homeownership Fund (Community Land Trust)
  Silent 0% second mortgage DPA + Community Land Trust shared-equity · Amount varies by program · LEAP Charities / LEAP Housing
• VA Home Loan
  VA-guaranteed first mortgage · Amount varies by program · U.S. Department of Veterans Affairs
• FHA Loan
  FHA-insured first mortgage · Amount varies by program · U.S. Department of Housing & Urban Development (HUD/FHA)
• HUD Section 184 Indian Home Loan Guarantee
  Government-guaranteed mortgage for Native Americans · Amount varies by program · HUD Office of Native American Programs
• ICCU First-Time Homebuyer 100% Financing (40-year)
  Lender first-time homebuyer mortgage product · Amount varies by program · Idaho Central Credit Union (ICCU)
• Idaho Housing DPA (Repayable Second Mortgage)
  second_loan · Up to 7% · Idaho Housing and Finance Association (IHFA)
• Idaho Housing Forgivable DPA (historical)
  forgivable_loan · Amount varies by program · Idaho Housing and Finance Association (IHFA)
• FHLB Des Moines Home$tart Grant (ID)
  grant · Up to $15,000 · Federal Home Loan Bank of Des Moines

County and city programs

• Boise Homeownership Opportunity Program (HOP)
  Forgivable/deferred second mortgage DPA (HUD CDBG/HOME funded) · Amount varies by program · City of Boise, Housing & Community Development
• NeighborWorks Pocatello Homeownership Program
  Full-cycle lender; DPA, closing-cost assistance, home rehab loans, homebuyer education · Amount varies by program · NeighborWorks Pocatello
• Project Reinvest Down Payment Assistance
  Deferred 0% second mortgage DPA · Amount varies by program · NeighborWorks Pocatello (administrator) / NeighborWorks America
• SEICAA Self-Help Housing Program
  Sweat-equity self-help homeownership (USDA 523/HUD SHOP) · Amount varies by program · Southeastern Idaho Community Action Agency (SEICAA)
• Bonner Community Housing Agency Homeownership
  Down payment assistance + below-market affordable housing · Amount varies by program · Bonner Community Housing Agency (BCHA)
• Habitat for Humanity of Treasure Valley
  Affordable homeownership build + 0% interest mortgage · Amount varies by program · Treasure Valley Habitat for Humanity
• Habitat for Humanity of Magic Valley
  Affordable homeownership build + 0% mortgage · Amount varies by program · Habitat for Humanity of Magic Valley
• Habitat for Humanity of North Idaho
  Affordable homeownership build + 0% mortgage · Amount varies by program · Habitat for Humanity of North Idaho
• USDA Section 502 Direct Loan
  100% LTV direct first mortgage with payment subsidy · Amount varies by program · USDA Rural Development - Idaho State Office
• USDA Section 502 Guaranteed Loan
  USDA-guaranteed first mortgage via approved lenders · Amount varies by program · USDA Rural Development - Idaho
• HUD Good Neighbor Next Door (GNND)
  50% discount on HUD-owned foreclosure home price · Amount varies by program · U.S. Department of Housing & Urban Development
• Coeur d'Alene Tribal Housing Authority Homeownership
  Tribal housing/homeownership programs (NAHASDA-funded) · Amount varies by program · Coeur d'Alene Tribal Housing Authority
• Shoshone-Bannock Tribal Housing Homeownership
  Tribal homeownership and DPA (NAHASDA/IHBG) · Amount varies by program · Shoshone-Bannock Tribes Housing Department
• Kootenai Tribe Housing Programs
  Tribal housing assistance (NAHASDA/IHBG) · Amount varies by program · Kootenai Tribe of Idaho
• Shoshone-Paiute Tribes Housing Authority
  Tribal housing/homeownership (NAHASDA/IHBG) · Amount varies by program · Shoshone-Paiute Tribes Housing Authority (Duck Valley)
• City of Pocatello CDBG Homeownership Support
  CDBG-funded gap assistance (delivered through partner non-profits like NeighborWorks Pocatello and SEICAA) · Amount varies by program · City of Pocatello
• Boise City/Ada County Housing Choice Voucher Homeownership Option (HCVHO)
  second_loan · Amount varies by program · Boise City/Ada County Housing Authorities
• NeighborWorks Boise Down Payment Grants
  grant · Amount varies by program · NeighborWorks Boise

National programs

38 federal and national programs apply in every state. See the national programs.