Down-payment assistance
Habitat for Humanity of North Idaho Homeownership Program
New construction · Income limits · Single Family · Condo
Down payment assistance · Kootenai County
Buying a home in Coeur d'Alene, ID
1 Coeur d'Alene program and 11 statewide.Coeur d'Alene has 1 program of its own, and 11 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Coeur d'Alene addresses
Coeur d'Alene’s own program
The Coeur d'Alene marketThe Coeur d'Alene housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Coeur d'Alene
- 65.3% single-familysingle-family
- 5.1% townhousetownhouse
- 8.1% 2–4 units2–4 units
- 17.3% 5+ unitscondo & apartment buildings (5+ units)
- 4.2% mobile & othermobile home & other
Condos count. Coeur d'Alene’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Coeur d'Alene’s homes were built
pre-19401970s2020+
35%
of Coeur d'Alene homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$108,300
County area median income, 4 people (HUD)HUD area median income, Kootenai County, 4-person household (2026)
$72,338
Coeur d'Alene median household incomeMedian household income in Coeur d'Alene (Census, 2024)
13 of the 74 programs here set their income limit as a share of Kootenai County’s area median income, adjusted for household size. See the published limits for Kootenai County
Free help nearbyFree help near Coeur d'Alene
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Coeur d'Alene’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of North Idaho Homeownership Program asks 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
73 statewide & federal programs11 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
Coeur d'Alene questions
Does Coeur d'Alene have its own down payment program?
Yes, one: Habitat for Humanity of North Idaho Homeownership Program, a down-payment assistance (new construction, income limits). It is for homes inside Coeur d'Alene.
Can I use assistance on a condo in Coeur d'Alene?
Coeur d'Alene’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Kootenai County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Kootenai 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 Coeur d'Alene?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Coeur d'Alene. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
83814 · 83815 · 83816
Nearby in Kootenai
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, 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). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.