Assistance program · Idaho
Idaho Housing Down Payment and Closing Cost Assistance
Idaho state association second mortgage for up to 8% of the price for the down payment or closing costs, repaid in small monthly installments along with the first mortgage; you do not need to be a first-time buyer
At a glance
- Kind of help
- Repayable
- Second loan with monthly payments
- First-time buyer?
- No
- No first-time requirement
- Checked
- November 5, 2026
- Against the program's official page.
Type of help
What it is
- Second loan with monthly payments
What it gives
Source text
up to 8% of the sales price of the home … Second mortgages are paid back alongside your primary mortgage through small monthly payments. A summary of what the program publishes; not a loan offer or advice. Amounts, limits and funding change without notice.
At a glance
Who qualifies
Each answer comes from the program's page. "Not stated — ask" means its page doesn't make it clear: ask before you apply.
Source text
available to all eligible Idaho homebuyers, not just first-time homebuyers. … Have a household income at or below $170,000. … $500 is the minimum contribution of your own funds. … take a homebuyer education program to be eligible … work with one of our lending partners throughout the state. - First-time buyers only No
- Homebuyer course required Yes
- Minimum credit score Not stated — ask
- Income limit A flat cap; see the source
- Price limit Per the program table
- Mortgages it works with Not stated — ask
- Immigration requirement Not stated — ask
- Accepts ITIN? Not stated — ask
- Spanish materials Yes
- Program status The source does not say whether it is open — ask
- Where it applies All of Idaho
What its page says about being open
Its page does not say whether the program is open or has funds. Ask the lender or the agency before counting on it. Read on the official page on November 5, 2026.
Your area in numbers
What buying costs in Idaho
The program covers all of Idaho. The first column is Idaho's figure; the second runs from the lowest to the highest among its counties. Limits change by county: check yours.
The typical home value ($418,600) fits within Idaho's FHA limit ($541,287).
The program publishes an income cap of $170,000 for the household. For reference, HUD's low-income limit for 4 people in Idaho is $70,400.
| Figure | Idaho | Lowest to highest | Source |
|---|---|---|---|
| Typical home value | $418,600 | $212,900 (Power County) to $735,300 (Blaine County) | U.S. Census Bureau |
| FHA limit (one-unit home) | $541,287 | $541,287 (Adams County) to $1,249,125 (Teton County) | HUD |
| Conforming limit (one-unit home) | $832,750 | $832,750 (Ada County) to $1,249,125 (Teton County) | FHFA |
| HUD low income (80%), household of 4 | $70,400 | $70,400 (Adams County) to $95,450 (Teton County) | HUD |
Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024) · FHA mortgage limits (HUD) (2026 data) · Conforming loan limits (FHFA) (2026 data) · Income Limits (HUD) (Fiscal year 2026)
Step by step
How to use it, step by step
Each step comes from what the program's page says. What its page leaves out is further down, in the questions.
Find a participating lender-
Ask first whether it is open
Its page does not say whether it is open or still has funds. That is the first thing to ask.
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Your income cannot go above $170,000
According to its page, the cap counts the whole household's income.
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Take the homebuyer course
The program requires it. HUD-approved housing counseling agencies teach courses. Idaho has 10 agencies on HUD's list, and 6 serve people in Spanish.
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Find a participating lender: state programs do not take applications directly; the lender reserves the assistance while processing your mortgage.
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Compare the total cost before you sign
Ask about the total cost. The mortgage with assistance may carry a higher rate than without it, and some programs charge for the course or a fee.
Before you call
What to ask
Its page leaves 7 points unclear. Write them down for when you talk to Idaho Housing and Finance Association.
What its page does not say
- Is it open now, and does it still have funds?
- What is the most it gives, and how is it calculated?
- Is there a maximum price for the home?
- What minimum credit score do you require?
- Which mortgage types does it work with: FHA, VA, USDA or conventional?
- Which immigration status or residency documents do you ask for?
- Do you accept an ITIN?
Worth asking for this kind of help
- What rate and monthly payment does the second loan have?
Sources
How we checked this program
We read the program's official pages on November 5, 2026 and copied their text as it appears on them. We add no amounts or requirements those pages do not state, and a program is listed as open or closed only when its page says so.
We check every program again. If more than 180 days pass without a check, the page says so.
Get free help applying
A HUD-approved housing counselor explains the program's requirements, goes over your numbers and tells you what to ask the lender. They do not sell loans.
Find a counselor (HUD)Read before you apply
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Help and programs
Down payment assistance: how it works
What down payment assistance is, the types that exist (grant, forgivable or deferred second loan, tax credit), who qualifies and where to find it.
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Help and programs
Homebuyer education courses: when you need one
What a homebuyer education course is, when Fannie Mae, Freddie Mac and assistance programs require one, and where to take it for free or in Spanish.
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Help and programs
HUD housing counselors: what they do and what they cost
What a HUD-approved housing counselor does, what they help with (buying, renting, missed payments, credit), what they may charge and how to find one.
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.