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Idaho Housing and Finance Association

Make buying a home more affordable and less stressful with Idaho Housing.

With Idaho Housing’s down payment assistance, low rates, homebuyer education, and HUD-approved counseling, you can buy a home confidently without draining your savings.

Get Started

15,751

Idahoans Turned To Idaho Housing To Buy Their Home In 2021

Down Payment Assistance

Buy a home sooner without draining your savings. Get up to 7% of the sales price in down payment assistance.

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Low Rates

Lowest financing rates in the state = more money in your pocket each month.

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Homebuyer Education

Start smart. Learn everything about the home-buying process.

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Homebuyer Tax Credits

Save up to $2,000 per year as long as you own and live in your home.

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Low Mortgage Insurance

Affordable monthly payments for sustainable homeownership.

Local Loan Servicing

Experienced support from a fellow Idahoan is just a call away for the life of your loan.

How to buy a home with Idaho Housing:

Step 1

Get Educated

Finally Home!®, our homebuyer education program, is the perfect starting point for potential homebuyers. Finally Home! will help you:

  • Decide when you are ready to purchase a home.
  • Determine what type of home best fits your needs.
  • Understand what you can afford.
  • Learn about affordable financing options.
  • Understand every step of the home-buying process.
  • Understand you do not need 20% down to purchase a home.

Get Educated

Step 2

Get Connected

The next step to obtaining an Idaho Housing loan is finding a participating lender or mortgage broker in your area. Idaho Housing works with a network of lenders in every part of the state. Our partners will walk you through every step of the home-buying process and help you find the loan that best fits your situation.
Get Connected

Step 3

Get Looking

Once you are pre-approved by your lender, you will have a clear understanding of how much home you can afford. This will help narrow your search and make the house hunting process less stressful. To take even more stress off your plate, work with an experienced REALTOR® to find your new home. A REALTOR® will:

  • Help you determine how much homes are worth, based on other homes that have sold recently.
  • Take you to homes you might be interested in.
  • Help you write the purchase offer.
  • Negotiate with the seller to get the right price.
  • Refer you to other professionals to complete the home-buying process.

Find a REALTOR®

Homebuyers

Trusted, local advice for a lifetime.

Before You Buy

We’ll meet with you one-on-one to learn your situation and continue to offer guidance whenever you need it. We’ll help you:

  • Know what housing resources, rights, and responsibilities are available to you.
  • Be equipped with trustworthy financial planning tools.
  • Understand your credit reports and identify debt-reduction strategies.
  • Learn how to budget with homeownership in mind.
  • Connect with regarded legal and financial support.
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After You Buy

Whether you experience a sudden loss of income, have taken on more debt than you can handle, or just need help with the costs of homeownership, we’ll help you form a plan so you can pay your bills and still have enough for emergency savings.
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FAQs

Am I eligible to buy a home through Idaho Housing?

You can check your eligibility here. You may also ask your lender to help determine if you are eligible and which Idaho Housing loan programs best fit your needs. If you are not already working with a lender, you can locate one here.

What are the income limits for Idaho Housing home loans?

Eligibility for our home loan products is limited to households with an income of up to $150,000.

How do I buy a home through Idaho Housing?

Learn more here.

How much down payment assistance can I get through Idaho Housing?

Idaho Housing offers down payment assistance up to 7% of the sales price for qualified homebuyers. You can learn more clicking here.
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