Shared-appreciation loan
City of Boise Homeownership Opportunity Program (HOP)
New construction · Income limits · Single Family · Condominium · Townhome
Down payment assistance · Ada County
Buying a home in Boise, ID
6 Boise programs and 9 statewide.Boise has 6 programs of its own, and 9 statewide. Here is what each one offers, and who near you can walk you through it.
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Only for Boise addresses
Boise’s own programs
Deferred second loan
Homeownership Opportunity Program
New construction · Income limits · Single-family detached, condominium, townhouse - primary residence within Boise city limits
Down-payment assistance
Boise City/Ada County Housing Authority Housing Choice Voucher Homeownership Option (HCVHO)
First-time homebuyers
Shared-appreciation loan
LEAP Housing Trust and LEAP Loan Fund (Affordable Homeownership)
New construction · Single Family
Forgivable loan
NeighborWorks Boise Down Payment Assistance and Forgivable Grants
Income limits
Down-payment assistance
Treasure Valley Habitat for Humanity Homeownership Program
New construction · Income limits · Single Family
Income limits in Ada County
How programs here set their income limits
$110,700
County area median income, 4 people (HUD)HUD area median income, Ada County, 4-person household (2026)
15 of the 77 programs here set their income limit as a share of Ada County’s area median income, adjusted for household size. See the published limits for Ada County
Free help nearbyFree help near Boise
4 HUD-approved counseling agencies within 15 miles4 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.4 of the 6 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Idaho and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
- FHLB Des Moines Native American Homeownership Initiative (NAHI) GrantUp to $25,000 · Assistance grant
- FHLB Des Moines Home$tart Down Payment Assistance GrantUp to $15,000 · Assistance grant
- Idaho Housing Homebuyer Tax Credit (Mortgage Credit Certificate / MCC)Up to $2,000 · Mortgage credit certificate
Boise questions
Does Boise have its own down payment program?
Yes, 6: City of Boise Homeownership Opportunity Program (HOP), Homeownership Opportunity Program, Boise City/Ada County Housing Authority Housing Choice Voucher Homeownership Option (HCVHO), LEAP Housing Trust and LEAP Loan Fund (Affordable Homeownership), NeighborWorks Boise Down Payment Assistance and Forgivable Grants and Treasure Valley Habitat for Humanity Homeownership Program. Each is for homes inside Boise.
Can I use assistance on a condo in Boise?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Ada County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Ada County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Boise?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies are within 15 miles of Boise. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
83701 · 83702 · 83703 · 83704 · 83705 · 83706 · 83707 · 83708 · 83709 · 83711 · 83712 · 83713 · 83715 · 83716 · 83717 · 83719 · 83720 · 83721 · 83722 · 83723 · 83724 · 83725 · 83726 · 83727 · 83728 · 83729 · 83730 · 83731 · 83732 · 83733 · 83735 · 83744 · 83756 · 83757 · 83788 · 83799
Nearby in Ada
Sources
Sources: agency sites (June–September 2026), HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.