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Forgivable LoanAda, CanyonWaitlist

AutumnGold Affordable Housing

AutumnGold Affordable Housing

Up to

$50,000

Forgiven after 5 years

Assistance

Forgivable Loan

Area

Ada

Buyers

First-time & repeat buyers

Income

50–80% AMI

What This Program Offers

AutumnGold offers down payment, closing cost, and mortgage-reduction assistance for qualified buyers purchasing a renovated or newly constructed AutumnGold home in the Boise-Nampa metro (Ada and Canyon counties).

  • Income limits vary by listing — up to 50% AMI (NSP) or 80% AMI (HOME) per HUD Boise-Nampa MSA limits.
  • Must qualify for a first mortgage, cannot own other property at purchase, and must occupy as primary residence for 5–20 years depending on assistance amount.
  • Finally Home!® homebuyer education (8 hours) required.
  • Up to 0.5% of purchase price contribution collected as earnest money.
  • Assistance amount is based on participant need and granting agency discretion.
  • Join the waitlist — inventory is limited to AutumnGold homes.

Who Qualifies

Location

Ada · Canyon

Buyer type

First-time & repeat buyers

Primary residence

Must be your primary home — not an investment property

Education course

Finally Home! homebuyer education required before closing

Income limits

Household income must be between 50% and 80% AMI for Ada County

Household80% AMI Limit
1 person$59,950
2 people$68,500
3 people$77,050
4 people$85,600

Showing sizes 1-4. See all household sizes

Ada County • FY 2025 HUD Income Limits

How to Apply

  1. 1

    Review available AutumnGold homes and income limits for each listing at autumngold.org.

  2. 2

    Join the AutumnGold waitlist or contact homeinfo@autumngold.org.

  3. 3

    Complete Finally Home!® homebuyer education (8 hours, online or in person).

  4. 4

    Get pre-approved for a mortgage — good credit required.

  5. 5

    Provide earnest money up to 0.5% of purchase price when signing a purchase agreement.

  6. 6

    Receive assistance toward down payment, closing costs, or mortgage reduction at closing.

Apply on Official Site

Documents you'll need

  • Income verification (≤ 50% or 80% AMI per home listing)
  • Finally Home! homebuyer education certificate
  • Mortgage pre-approval
  • Proof of no other property ownership

Program Contact

AutumnGold — (208) 455-9661 · homeinfo@autumngold.org · Caldwell, ID
Official Website

Last verified: 2026-05-26