Idaho Housing and Finance Association
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Idaho Housing and Finance AssociationIDFirst-Time HomeownerDeferred loan
Updated: Dec 1, 2025
Statewide Idaho down payment assistance program that layers a second mortgage on top of an Idaho Housing first mortgage to cover most or all of the required down payment and closing costs while helping buyers preserve savings
Eligible for: Eligible Idaho homebuyers using an Idaho Housing first mortgage, meeting program underwriting and household income limits and completing app…
Funding: Provides up to 8% of the sales price of the home in down payment and/or closing cost assistance for eligible Idaho homebuyers; requires a $500 minimum borrower contribution.StatewideIndividualDown payment assistanceClosing cost assistance