Why rent when you could buy a home?

The average monthly mortgage with an Idaho Housing loan is $900. Seriously. And with down-payment and closing cost assistance, we offer the best home loan options with the lowest monthly payments in Idaho.

If you’re a first-time or experienced homebuyer with an
income up to $110,000 per year,
you may qualify for an Idaho Housing home loan that offers:

Down payment and closing cost assistance

You don't have to deplete your savings to get into the home of your dreams. Get some added relief by reducing the amount you pay on the down payment as well as closing costs.

Annual homebuyer tax credits up to $2,000

Idaho Housing loans may pay back on Tax Day. Depending on how much you pay annually in mortgage interest, you may receive deductions to your income taxes and pocket some extra cash!

Low interest rates

Idaho Housing takes pride in making your loan payment affordable through the entire life of the mortgage, which is accomplished in-part by low interest rates.

Savings of up to $600 per year on your mortgage payment

Whether you’re purchasing a home or refinancing, Idaho Housing offers unique home loan products that make your monthly payment more affordable. Think of all you can do with that extra cash.

Low or no monthly mortgage insurance

With other loan providers, mortgage insurance is often stacked on top of your payment every month. Idaho Housing offers low or no added insurance costs to your bill.

Expert advice and support through the life of your loan

Idaho Housing loan experts and homeownership advisors will answer your questions and help keep you on-track throughout your journey as a homeowner.

It’s time to be your own landlord.

You can finally start that garden you’ve always wanted or paint your whole living room magenta (we aren’t judging). Do whatever you want, because you’re in charge now! Let’s get started.

Still not sure you’re ready? No problem. Idaho Housing can help you reach your homeownership goals. Take the Finally Home! Homebuyer Education to understand the ins and outs of buying a home.


You can do this!

Curious about how much of me you can afford? Use the calculator to find out, or check out Idaho Housing’s low rates on home loans.