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Idaho Housing Down Payment Assistance

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Idaho Housing Down Payment Assistance is a Idaho down payment assistance program from Idaho Housing and Finance Association. It provides Up to 8% of the sales price of the home as a repayable second mortgage. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

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

Who qualifies for Idaho Housing Down Payment Assistance?

Buyers can contribute as little as $500 of their own funds. The assistance is a second mortgage.

DetailProgram terms
AssistanceUp to 8% of the sales price of the home
TypeRepayable second mortgage
Minimum creditNot published on the program page
First-time buyerSee official page
Income limitsSee official page

How does Idaho Housing Down Payment Assistance work with an FHA loan?

Idaho's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.idahohousing.com/homebuyers/down-payment-closing-cost-assistance/. Programs can pause when funds run out, so confirm availability with a participating lender.

“This program provides homebuyers up to 8% of the sales price of the home to use towards the down payment and/or closing costs.” — Idaho Housing and Finance Association

← All Idaho down payment assistance programs

Frequently asked questions

Up to 8% of the sales price of the home, according to Idaho Housing and Finance Association.

Yes — it's a second mortgage with its own repayment terms.

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.