# Idaho Down Payment Assistance Programs

> Idaho's resource for IHFA and local down payment assistance programs. Updated May 2026.

This site helps Idaho homebuyers find and understand down payment assistance (DPA) programs they may qualify for.

## Site Purpose

Idaho DPA Finder is a free educational resource that tracks down payment assistance programs across Idaho. We provide:

- IHFA-centric program directory with eligibility requirements and funding status
- Free eligibility quiz (no SSN required)
- FY 2026 HUD income limits for Ada, Canyon, Bonneville, and Kootenai counties
- City-specific program guides for Boise, Meridian, Nampa, Idaho Falls, and Coeur d'Alene

## Key Facts

- 10 DPA programs in directory (9 currently active)
- IHFA statewide DPA: up to 8% of sales price with $500 minimum out-of-pocket
- Household income limit up to $170,000 for IHFA programs
- Program types: repayable second mortgages, deferred loans, and first mortgage products
- Covers key Idaho markets: Treasure Valley, East Idaho, North Idaho

## Content Structure

- /guide - Complete 2026 Idaho DPA Guide (pillar page)
- /programs - Directory of all programs with filters
- /programs/[slug] - Individual program details
- /locations - Programs by city
- /locations/[slug] - City-specific guides (Boise, Meridian, Nampa, Idaho Falls, Coeur d'Alene)
- /first-time-home-buyer - First-time buyer guide
- /income-limits - FY 2026 HUD income limits by county
- /doctor-mortgage - Doctor and professional mortgages with up to 100% financing (specialty first mortgages, not DPA grants)
- /quiz - Free eligibility quiz

## Top Programs (2026)

1. IHFA Down Payment & Closing Cost Assistance - Up to 8% of sales price (statewide)
2. IHFA First Loan + DPA Combo - Competitive first mortgage paired with DPA
3. Boise Homeownership Opportunity Program (HOP) - Up to $45,000–$65,000 in Boise city limits (NeighborWorks Boise or LEAP Housing)
4. Idaho Heroes DPA - Up to 8% for nurses, teachers, and first responders ($500 contribution waived)
5. Treasure Valley Overview - IHFA + local programs for Ada and Canyon counties
6. AutumnGold Affordable Housing - DPA on select renovated/new homes (Treasure Valley, waitlist)

## Priority Location Guides

- /locations/boise - Boise down payment assistance, IHFA + HOP
- /locations/meridian - Meridian Idaho DPA, IHFA programs
- /locations/nampa - Nampa / Canyon County IHFA programs
- /locations/idaho-falls - East Idaho IHFA programs
- /locations/coeur-d-alene - North Idaho / Kootenai County programs

## Typical Eligibility Requirements

- IHFA household income limit: up to $170,000 statewide
- Local programs (City of Boise HOP): 50–80% AMI
- Credit score: 620+ for FHA, 640+ for IHFA First, 680+ for conventional
- Primary residence requirement
- Finally Home! homebuyer education (IHFA programs)
- First-time AND repeat buyers eligible for IHFA DPA

## Related Resources

- Tim Hawkes Team DPA hub: https://www.thetimhawkesteam.com/down-payment-assistance
- Utah DPA Finder (sister site): https://www.utahdownpaymentprograms.com
- Idaho Housing DPA: https://www.idahohousing.com/homebuyers/down-payment-closing-cost-assistance/
- IHFA Loan Products: https://www.idahohousing.com/partners/lenders-realtors/loan-product/
- Get Pre-Approved: https://www.houseloan.com/timhawkesteam/

## For More Information

- Full markdown content (dynamically generated from live program data): /llms-full.txt
- Sitemap: /sitemap.xml
- Contact: jake@thetimhawkesteam.com
- Phone: (801) 820-7620

## Maintained By

Licensed mortgage professionals Tim Hawkes (NMLS #8785) and Jake Peterson (NMLS #1692825) at Cornerstone Home Lending (NMLS #2258). The Tim Hawkes Team serves Idaho and Utah homebuyers. This is an educational resource maintained by active DPA lending specialists.

- Team website: https://www.thetimhawkesteam.com

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Last updated: May 2026
Website: https://www.idahodownpaymentprograms.com

## 100% Financing for Licensed Professionals

Doctor and professional loans are specialty first mortgages, not down payment grants, and they cannot be stacked with a DPA lien. See /doctor-mortgage. Three programs, each with its own rules, offered through The Tim Hawkes Team (Cornerstone Home Lending):

- Professionals Plus: Cornerstone Capital Bank portfolio 5/6 ARM, primary-home purchase in any state including Idaho. 100% financing from $250,000 up to the county conforming limit with a 720 score and 38% debt ratio. 95% up to $1.5 million with 5% of the borrower's own funds. No monthly mortgage insurance. Physicians, dentists, residents, fellows, registered nurses, nurse practitioners, practicing attorneys, and CPAs.
- Medical Professionals: fixed or ARM, purchase or rate-and-term refinance, for financing above 90%. 100% up to $1.5 million at 680, or $2 million at 720. No monthly mortgage insurance. Physicians, dentists, pharmacists, veterinarians, podiatrists, CRNAs, and nurse practitioners.
- Med Pro Program (new October 5, 2026): up to 100% financing, loan amounts up to $2 million, no monthly mortgage insurance. 30-year fixed, or 5/6, 7/6, and 10/6 ARM. Physicians, physician assistants, dentists, pharmacists, veterinarians, podiatrists, optometrists, CRNAs, nurse practitioners, and residents, fellows, and interns. Confirm Idaho availability and scenario rules with the team.

Physician assistants and optometrists qualify only for the Med Pro Program. Full source: https://www.thetimhawkesteam.com/loans/doctor-mortgage