What is down payment assistance in Idaho?

Down payment assistance (DPA) programs in Idaho help homebuyers cover down payment and closing costs. IHFA (Idaho Housing) offers up to 8% of the sales price as a repayable second mortgage with as little as $500 out-of-pocket. Boise city programs add up to $45,000–$65,000 for eligible buyers.

Who qualifies for Idaho down payment assistance?

IHFA programs are open to first-time and repeat buyers with household income up to $170,000. You must work with an IHFA-approved lender and complete Finally Home! homebuyer education. Local programs like Boise HOP have additional income limits (50–80% AMI).

How much down payment assistance can I get in Idaho?

IHFA provides up to 8% of the sales price or appraised value — on a $450,000 home, that's up to $36,000. Boise HOP adds up to $45,000–$65,000 in city limits. Idaho Heroes offers the same 8% DPA for nurses, teachers, and first responders with the $500 contribution waived.

Do I have to pay back Idaho down payment assistance?

IHFA's primary DPA is a 15-year repayable second mortgage (first mortgage rate + 2.00%) with monthly payments. Boise HOP uses a deferred loan repaid when you sell or refinance. IHFA no longer offers forgivable grants as of 2026.

How do I apply for Idaho down payment assistance?

Take our free eligibility quiz, then work with an IHFA-approved lender like The Tim Hawkes Team. Complete Finally Home! education at finallyhome.org before closing. Your lender packages the first mortgage and DPA together.

🏠

Idaho DPADown Payment Finder

Serving All of Idaho

Updated May 2026

Idaho Down PaymentAssistance 2026Programs

Find IHFA and local down payment assistance programs for Idaho homebuyers. Take our free 5-minute quiz — IHFA offers up to 8% of sales price with as little as $500 out-of-pocket.

Idaho DPA Finder is a free educational resource. Program eligibility is determined by administering agencies and participating lenders.

No SSN required

Results in 5 min

190+ Reviews

🏡

Your Home Awaits

Idaho IHFA programs help Treasure Valley and statewide buyers

Max IHFA assistance of price

10+

Programs tracked

$500

Minimum out-of-pocket (IHFA)

Up to 8%

IHFA assistance of sales price statewide

5 Minutes

Quick eligibility quiz to find your programs

100% Free

No cost, no obligation, no sensitive data required

How It Works

Find your down payment assistance in three simple steps

📝

Take the Quiz

Answer a few simple questions about your situation. No SSN or sensitive info required.

🎯

See Your Matches

We instantly match you with programs you may qualify for, showing potential assistance amounts.

🤝

Get Expert Help

Optionally connect with a licensed lender who can verify eligibility and guide your application.

Idaho's IHFA-Centric2026 DPA Guide

We track all available down payment assistance programs across Idaho so you don't miss out on money you're eligible for. Updated May 2026 with the latest funding status for every program.

10+ Idaho DPA programs for 2026

IHFA statewide + Boise city programs

First-time buyer and repeat buyer programs

Treasure Valley, East Idaho, and North Idaho

Repayable second mortgages and deferred loans

Updated monthly with latest funding status

Boise

Deferred Loan (HOP)

$65,000

IHFA Statewide

Second Mortgage

Up to 8%

Meridian

IHFA Assistance

Up to 8%

Idaho Falls

IHFA Assistance

Up to 8%

...and many more programs available

Ready to Own Your Home?

Take the first step today. Our free eligibility quiz takes just 5 minutes and could save you tens of thousands of dollars.

Maintained by licensed Idaho mortgage professionals

Tim Hawkes & Jake Peterson

The Tim Hawkes Team | Cornerstone Home Lending

Highly rated professionals verified on multiple platforms