Second MortgageKootenaiFunds Available
Kootenai County / Coeur d'Alene Assistance
IHFA + North Idaho partners
Up to
$56,000
Assistance
Second Mortgage
Area
Kootenai
Buyers
First-time & repeat buyers
Income
Up to $170,000 household income
What This Program Offers
North Idaho buyers in Coeur d'Alene and Kootenai County use IHFA 15-year DPCC assistance — up to 8% of sales price or appraised value.
- $500 minimum out-of-pocket.
- Open to first-time and repeat buyers.
- Income limit up to $170,000 household.
- Competitive market — get pre-approved early.
Who Qualifies
Location
Kootenai
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
Your contribution
You must contribute at least $500 of your own funds
Income limits
Household income up to $170,000 for IHFA programs
| Household | 120% AMI Limit |
|---|---|
| 1 person | $79,126 |
| 2 people | $90,376 |
| 3 people | $101,700 |
| 4 people | $112,950 |
Showing sizes 1-4. See all household sizes
Kootenai County • FY 2025 HUD Income Limits
How to Apply
- 1
Complete Finally Home! homebuyer education.
- 2
Find an IHFA-approved lender serving Kootenai County.
- 3
Get pre-approved before house hunting in North Idaho's competitive market.
- 4
Apply for IHFA DPA with your first mortgage.
Documents you'll need
- Finally Home! education certificate
- Income verification
- Pre-approval letter