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


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.


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