Updated 1/19/2026

These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders, fill out this form here and I will connect you with one.

I've included all of the links and contact info needed to do this on your own, the form is meant to make it easier.

Connect with a DPA team

How Down Payment Assistance Works

I need to give a quick overview of how down payment assistance works. After that, the programs are listed.

With down payment assistance, you'll run into two different types:

  • A grant

  • A loan

A Grant

If we meet the qualifications up front, then it's money that does not need to be repaid.

A Loan

If the down payment assistance comes in the form of a loan, then pay attention to the three different types:

  • Repayable

  • Deferred

  • Forgivable

Repayable is just as most imagine. It charges interest over a certain amount of time, with monthly payments until it's paid off.

Deferred loans usually don't require a monthly payment, and typically don't charge interest. It's due in full when you refinance, sell the home, or when it ceases to be your primary residence.

Forgivable loans will disappear if you meet the criteria, which usually comes down to keeping the home as your primary residence for a specific amount of time.

Okay with that, here are the programs!

Idaho

Idaho Housing and Finance Association (IHFA) Down Payment Assistance

  • Assistance: Up to 8% of purchase price or appraised value

  • Structure: Fully amortizing 15-year second mortgage

  • Lien: Second lien

  • Income limit: Up to $170,000 household income

  • Minimum borrower contribution: $500

  • Credit: ~620 Conventional | ~580 FHA (lender overlays apply)

  • Education: Finally Home! course required

  • Eastern Idaho counties receive favorable pricing adjustments

  • Website: https://www.idahohousing.com/homebuyers/down-payment-closing-cost-assistance/

City of Boise

Autumn Gold

  • Assistance: Offers down payment and closing cost assistance to qualified participants for purchasing newly renovated or newly constructed homes.

  • Eligibility: Applicants must meet income requirements and other criteria.

  • Website: https://autumngold.org/program-information/

Updated 1/19/2026

These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders, fill out this form here and I will connect you with one.

I've included all of the links and contact info needed to do this on your own, the form is meant to make it easier.