# 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
- /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
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

## 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 (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