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Idaho down payment assistance programs

Quick answer

Idaho buyers can get down payment help from Idaho Housing and Finance Association. Its Idaho Housing Down Payment Assistance offers Up to 8% of the sales price of the home. Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsPrograms last verified

What down payment assistance does Idaho offer?

ProgramAmountTypeMin. creditFirst-time only?
Idaho Housing Down Payment AssistanceUp to 8% of the sales price of the homeRepayable second mortgageNot statedSee program

How do I apply for Idaho down payment assistance?

  1. Find a participating lender approved by Idaho Housing and Finance Association.
  2. Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
  3. Complete the required homebuyer education course.
  4. Your lender reserves the assistance when you go under contract.

Cities in Idaho

BoiseMeridianNampaIdaho FallsCaldwellPocatelloCoeur d'AleneTwin FallsPost FallsRexburg

Other states with verified programs

AlabamaArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaIllinoisIowa

Frequently asked questions

Idaho Housing Down Payment Assistance: Up to 8% of the sales price of the home.

Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.

The agency sets credit requirements with its participating lenders; most require at least a 620–640 score.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.