Programs, loans & assistance available throughout the Treasure Valley and all of Idaho
IHFA is Idaho's private, nonprofit housing finance agency that offers competitive mortgage rates, down payment assistance, and homebuyer education to make homeownership achievable — even in today's market. A "first-time buyer" is anyone who has not owned a home in the past 3 years.
Idaho Housing’s down payment assistance is a second mortgage. It can cover your down payment, apart from a $500 minimum contribution from you. Pair it with a builder or seller paying toward your closing costs, and your total out-of-pocket could be as little as $500.
Every loan and every offer is different. Ask me how this could work for you.
IHFA's primary mortgage product. Pairs with FHA, VA, USDA, or conventional financing. Offers competitive interest rates for Idaho buyers.
Covers down payment and/or closing costs through a second mortgage, repaid in small monthly payments alongside your main loan. Buyers contribute as little as $500 of their own funds. Repeat buyers can use it too.
IHFA's homebuyer education course. It covers budgeting, credit, the loan process and life as a homeowner. Required when you use down payment assistance, and a smart first step for any new buyer.
Special rates and down payment help for community heroes. Ask an IHFA-approved lender for current terms.
Save through a designated state bank account and deduct contributions + interest on your Idaho state taxes. Funds must be applied to the purchase of a single-family primary residence. Available through select Idaho banks.