Funds AvailableKootenaiSecond Mortgage
Kootenai County / Coeur d'Alene Assistance
IHFA + North Idaho partners
$56,000
Maximum Assistance
120%
AMI Income Limit
Program Summary
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.
Eligibility Requirements
Location
Property must be in Kootenai
Buyer Type
Open to all buyers (first-time and repeat)
Income Limit
Household income must not exceed 120% AMI for Kootenai County:
| 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
Primary Residence
Must be your primary residence (not investment property)
Buyer Contribution
You must contribute at least $500 of your own funds
Homebuyer Education
Completion of a HUD-approved homebuyer education course is required
How to Apply
- 1Complete Finally Home! homebuyer education.
- 2Find an IHFA-approved lender serving Kootenai County.
- 3Get pre-approved before house hunting in North Idaho's competitive market.
- 4Apply for IHFA DPA with your first mortgage.
Required Documents
- Finally Home! education certificate
- Income verification
- Pre-approval letter
Contact Information
IHFA-approved lenders in North Idaho
IHFA Program DetailsLast verified: 2026-05-26