See programs you qualify for

Idaho Housing Down Payment and Closing Cost Assistance

By Tyler Thompson · Licensed Real Estate Agent

Administered by:

Idaho Housing and Finance Association (IHFA)

· State · Repayable Loan

Funding status: Active

How much assistance

Up to 8% of the lesser of the sales price or appraised value, for down payment and/or closing costs

Second mortgage at a fixed rate 2% above the first mortgage rate, repaid in monthly payments over 15 years. Not forgivable.

Income limits: Household income up to $170,000; some Idaho Housing loan products set lower limits.
First-time buyer required: No
Geographic restrictions: Statewide Idaho through Idaho Housing lending partners. Paired with an Idaho Housing first mortgage. Buyer must contribute at least $500 of their own funds.
Homebuyer education required: Yes

Free eligibility check

Check if you qualify for Idaho Housing Down Payment and Closing Cost Assistance