Down-payment assistance
Mortgage Finance Assistance (Nez Perce Tribal Housing Authority)
Income limits
Down payment assistance · Nez Perce County
Buying a home in Lapwai, ID
1 Lapwai program and 11 statewide.Lapwai 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 Lapwai addresses
Lapwai’s own program
The Lapwai marketThe Lapwai housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lapwai
- 80.2% single-familysingle-family
- 1.2% townhousetownhouse
- 1.9% 2–4 units2–4 units
- 2.2% 5+ unitscondo & apartment buildings (5+ units)
- 14.6% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lapwai’s homes were built
pre-19401970s2020+
62.2%
of Lapwai 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.
$102,900
County area median income, 4 people (HUD)HUD area median income, Nez Perce County, 4-person household (2026)
$57,439
Lapwai median household incomeMedian household income in Lapwai (Census, 2024)
12 of the 74 programs here set their income limit as a share of Nez Perce County’s area median income, adjusted for household size. See the published limits for Nez Perce County
Free help nearbyFree help near Lapwai
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Lapwai’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Mortgage Finance Assistance (Nez Perce Tribal Housing Authority) 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
Lapwai questions
Does Lapwai have its own down payment program?
Yes, one: Mortgage Finance Assistance (Nez Perce Tribal Housing Authority), a down-payment assistance (income limits). It is for homes inside Lapwai.
Can I use assistance on a condo in Lapwai?
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 Nez Perce County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Nez Perce 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 Lapwai?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Lapwai. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
83540
Nearby in Nez Perce
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.