First Loan Products – These loans are only for first time FHA and VA borrowers who fall within state specified income and purchase price limits.
HOME Down Payment Closing Cost (DPCC) Assistance Program – borrowers with household incomes of less than 80 percent of the median price in their area can get a 0 percent interest deferred loan for down payment and closing cost assistance.
Preferred Loan Products – This down payment program is lifted from this set of programs: the HFA Preferred Lo MI Program and the HFA Preferred Risk Share No MI Program.
Good Credit Rewards Program – A 10 year fixed rate second mortgage for down payment and closing costs assistance is available to home buyers with incomes of no more than $90,000.
Advantage Loan Products – The Advantage program contains a series of loans for different audiences (FHA/VA/RD, manufactured housing, 30, 20 and 15 year conventional loans, and FHA 203(k)) that allow borrowers who can be repeat buyers who meet income limits to either receive rebates which they can put towards the down payment or closing costs, or buy down their rate to facilitate a lower monthly payment.
Home buyers in Idaho get $25,000 down payment assistance through the Pocatello Neighborhood Housing Services Home Ownership Program. PHONE: (208) 232-9468
Idaho Housing Authority website link
Idaho Housing and Finance Association makes home ownership possible with down payment assistance programs.
Boise City/Ada County Housing Authority website link
Home buyers in Idaho get $25,000 down payment assistance through the Idaho Neighborhood Housing Service of Boise Down Payment Assistance. PHONE: (208) 343-4065