City of Boise Housing and Community Development
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City of Boise Housing and Community DevelopmentIDFirst-Time HomeownerDeferred loan
Updated: Dec 1, 2025
City of Boise’s Homeownership Opportunity Program provides mortgage assistance to income qualified buyers purchasing homes within Boise city limits, using HUD funds to help with down payment, closing costs, and gap financing so monthly payments remain affordable
Eligible for: Income eligible homebuyers purchasing within Boise city limits with gross household income between 50% and 80% of Area Median Income who wor…
Funding: Down payment and/or closing cost assistance or subsidized mortgage to reduce buyers primary loan so that monthly payments are affordable; amount varies per buyer need and funding availability.CityIndividualDown payment assistanceClosing cost assistanceAffordable mortgage