Calling all first-time homebuyers in Idaho. This comprehensive guide is your key to valuable resources and assistance programs specifically tailored for Idaho residents. Discover specialized programs, including down payment assistance and favorable mortgage options, designed to support your path to homeownership. Navigate the Idaho real estate market with confidence and uncover the opportunities that await you with the breathtaking landscapes and vibrant communities. Whether you're drawn to the outdoor adventures of Boise or the small-town charm of Coeur d'Alene, this guide provides the information you need to make informed decisions. Start your journey towards homeownership in the Gem State today.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Up to 3.5% of home sale price that can be used for down payment assistance | Any homebuyer that can meet income requirements | Forgivalbe loan with a 5% interest rate | |
| Reduces up to $2,000 in mortgage interest that you pay into federal taxes for the life of your loan | First time homebuyers that can meet income requirements | Tax credit |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Bannock | Up to 5% of the home loan can be used for down payment and closing cost assistance | Homebuyers buying in Bannock, Bear Lake, Bingham, Caribou, Franklin, Oneida, or Power Counties and that can meet income requirements | Second mortgage | |
| Bear Lake | Up to 5% of the home loan can be used for down payment and closing cost assistance | Homebuyers buying in Bannock, Bear Lake, Bingham, Caribou, Franklin, Oneida, or Power Counties and that can meet income requirements | Second mortgage | |
| Bingham | Up to 5% of the home loan can be used for down payment and closing cost assistance | Homebuyers buying in Bannock, Bear Lake, Bingham, Caribou, Franklin, Oneida, or Power Counties and that can meet income requirements | Second mortgage | |
| Caribou | Up to 5% of the home loan can be used for down payment and closing cost assistance | Homebuyers buying in Bannock, Bear Lake, Bingham, Caribou, Franklin, Oneida, or Power Counties and that can meet income requirements | Second mortgage | |
| Franklin | Up to 5% of the home loan can be used for down payment and closing cost assistance | Homebuyers buying in Bannock, Bear Lake, Bingham, Caribou, Franklin, Oneida, or Power Counties and that can meet income requirements | Second mortgage | |
| Oneida | Up to 5% of the home loan can be used for down payment and closing cost assistance | Homebuyers buying in Bannock, Bear Lake, Bingham, Caribou, Franklin, Oneida, or Power Counties and that can meet income requirements | Second mortgage | |
| Power | Up to 5% of the home loan can be used for down payment and closing cost assistance | Homebuyers buying in Bannock, Bear Lake, Bingham, Caribou, Franklin, Oneida, or Power Counties and that can meet income requirements | Second mortgage |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Boise | Up to 25% of the purchase price used for down payment assistance | Homebuyers that can meet income and credit score requirements and are buying within Boise city limits | Low interest rate loan - amount not specified |
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