Idaho • First-Time Homeowner programs
First-Time Homeowner grants in Idaho
Browse first-time homeowner grants available in Idaho, including statewide and local programs.
5 active programs in Idaho
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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…
Idaho Central Credit UnionIDFirst-Time Homeowner
Updated: Dec 1, 2025
Idaho Central Credit Union’s First-Time Homebuyer Programs page highlights multiple mortgage options that can offer little to no money down, including 100 percent financing and extended term loans tailored for lower and middle income first time buyers across Idaho
Eligible for: First time and returning homebuyers who qualify for ICCU mortgage underwriting, including lower and middle income borrowers purchasing an ow…
CapEd Credit Union’s First-Time Homebuyer page aggregates multiple Idaho focused products including a zero down Educational Community 100 percent Loan, the CapEd Home Affordable Mortgage Program, and an Idaho first time homebuyer savings account that together help members get into a home with minimal upfront cash
Eligible for: Primarily first time homebuyers who are CapEd members or eligible to join, including educators and education community workers for the Educa…
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…
LEAP Housing’s Yes You Can Homeownership Program is a free, mentorship style service that walks Boise area renters and aspiring buyers through the entire home purchase process, connecting them to education, trusted lenders, and available down payment assistance programs
Eligible for: First time and aspiring homebuyers in the Boise area, including households with lower incomes, limited savings, lower credit scores, or lang…