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Funds AvailableAda, CanyonSecond Mortgage

Treasure Valley Down Payment Assistance

Multiple (IHFA + local partners)

$65,000
Maximum Assistance
120%
AMI Income Limit

Program Summary

Treasure Valley (Ada + Canyon counties) buyers can combine IHFA 15-year DPCC assistance (up to 8% of sales price or appraised value) with local programs like Boise HOP ($45,000–$65,000 in Boise city limits). Most Treasure Valley buyers start with IHFA — the primary path for Boise, Meridian, Nampa, and Caldwell.

Eligibility Requirements

Location
Property must be in Ada or Canyon
Buyer Type
Open to all buyers (first-time and repeat)
Income Limit
Household income must not exceed 120% AMI for Ada County:
Household120% AMI Limit
1 person$89,926
2 people$102,750
3 people$115,576
4 people$128,400

Showing sizes 1-4. See all household sizes

Ada 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

  1. 1Take our quiz to see IHFA + local program matches.
  2. 2Start with an IHFA-approved lender for statewide DPA.
  3. 3If buying in Boise city limits, also contact NeighborWorks Boise or LEAP Housing for HOP.
  4. 4Stack programs where lender guidelines allow.
Apply on Idaho Housing

Required Documents

  • Finally Home! education certificate
  • Income verification
  • Pre-approval letter

Contact Information

IHFA-approved lenders + City of Boise HOP partners
IHFA Program Details

Last verified: 2026-05-26

Think You Qualify?

Take our quiz to confirm eligibility and discover other programs you may qualify for.