Down payment assistance income limits in Idaho
26 down payment assistance programs in Idaho publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each Idaho county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Ada | 2026 | $110,700 |
| Adams | 2026 | $81,600 |
| Bannock | 2026 | $100,800 |
| Bear Lake | 2026 | $93,800 |
| Benewah | 2026 | $82,700 |
| Bingham | 2026 | $95,100 |
| Blaine | 2026 | $108,500 |
| Boise | 2026 | $110,700 |
| Bonner | 2026 | $84,300 |
| Bonneville | 2026 | $101,100 |
| Boundary | 2026 | $79,900 |
| Butte | 2026 | $79,400 |
| Camas | 2026 | $89,700 |
| Canyon | 2026 | $110,700 |
| Caribou | 2026 | $86,600 |
| Cassia | 2026 | $85,600 |
| Clark | 2026 | $68,400 |
| Clearwater | 2026 | $88,100 |
| Custer | 2026 | $83,200 |
| Elmore | 2026 | $85,100 |
| Franklin | 2026 | $99,100 |
| Fremont | 2026 | $83,700 |
| Gem | 2026 | $79,100 |
| Gooding | 2026 | $80,300 |
| Idaho | 2026 | $85,300 |
| Jefferson | 2026 | $101,100 |
| Jerome | 2026 | $79,000 |
| Kootenai | 2026 | $108,300 |
| Latah | 2026 | $93,900 |
| Lemhi | 2026 | $78,500 |
| Lewis | 2026 | $69,000 |
| Lincoln | 2026 | $83,400 |
| Madison | 2026 | $69,500 |
| Minidoka | 2026 | $87,100 |
| Nez Perce | 2026 | $102,900 |
| Oneida | 2026 | $95,000 |
| Owyhee | 2026 | $110,700 |
| Payette | 2026 | $80,300 |
| Power | 2026 | $75,700 |
| Shoshone | 2026 | $72,300 |
| Teton | 2026 | $130,300 |
| Twin Falls | 2026 | $100,200 |
| Valley | 2026 | $107,200 |
| Washington | 2026 | $71,000 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| ARCH Community Land Trust Homeownership (Blaine County)Hailey · Blaine | 80% of area median incomeCategory 4 homes: household income at or below 80% AMI. 2026 Blaine County limits: 1 $56,240; 2 $64,240; 3 $72,320; 4 $80,320; 5 $86,720; 6 $93,200. Category L workforce homes have no income limit (net-worth cap applies). | — |
| AutumnGold Affordable Housing Homeownership ProgramCaldwell · Canyon | 80% of area median incomeDocumented annual household income at or below HUD AMI limits for the Boise-Nampa MSA. 80% HOME limits by household size: 1=$59,950; 2=$68,500; 3=$77,050; 4=$85,600; 5=$92,450; 6=$99,300; 7=$106,150. Some homes use lower 50% (NSP) limits. | — |
| City of Boise Homeownership Opportunity Program (HOP)Boise · Ada | 80% of area median incomeGross household income must be at least 50% and no more than 80% of Area Median Income (AMI) as published annually by HUD, calculated per 24 CFR 5.609. All persons named on the loan must occupy the home and their income is included. | — |
| Coeur d'Alene Tribal Housing Authority Homeownership ProgramPlummer · Benewah | See programIncome guidelines per HUD/NAHASDA; specific dollar limits set by Authority policy (not published online). | — |
| FHLB Des Moines Home$tart Down Payment Assistance GrantStatewide · Statewide | 80% of area median incomeHousehold income at or below 80% of area median income (by household size and state/county) per HUD or NAHASDA income limits; calculated as of reservation date including all current and intended household members | — |
| FHLB Des Moines Native American Homeownership Initiative (NAHI) GrantStatewide · Statewide | 80% of area median incomeHousehold income at or below 80% of area median income (by household size and state/county) per HUD or NAHASDA income limits; calculated as of reservation date including all current and intended household members | — |
| Fort Hall Housing Authority Tribal Housing Opportunities ProgramFort Hall · Bingham | See programNAHASDA-eligible income for grant-funded units; future revolving-fund loans not required to meet low-income limits. | — |
| Habitat for Humanity Idaho Falls Area Homeownership ProgramIdaho Falls · Bonneville | 80% of area median incomeHousehold income must fall within current income limits (up to ~80% AMI) and meet debt-to-income requirements; a minimum income (~25% threshold) is also required. Income verified at application. | — |
| Habitat for Humanity of North Idaho Homeownership ProgramCoeur d'Alene · Kootenai | 80% of area median incomePriority to households at or below 80% of Kootenai County AMI; some up to 100% AMI may be considered depending on availability and funding. Income limits based on household size (per posted 100% Income Limits chart effective 5.28.26). | — |
| Habitat for Humanity of the Magic Valley Homeownership ProgramTwin Falls · Twin Falls | See programHousehold income must be between 30% and 60% of the county Area/Adjusted Median Income for the county of residence (seven-county service area). | — |
| Homeownership Opportunity ProgramBoise · Ada | 80% of area median incomeHouseholds must earn at least 50% AMI and no more than 80% AMI for the Boise City-Nampa MSA per HUD-published limits. Seed range $34,300-$103,500 reflects 50%-80% AMI by household size; verify current limits with City of Boise HCD. | — |
| Idaho Heroes Second MortgageStatewide · Statewide | $170,000Household income at or below $170,000 statewide. Some loan products (e.g., bond/MCC-tied) carry lower county-specific income limits per IHFA's posted limit charts. | — |
| Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) | See programIncome limits by county and household size for First Loan Tax-Exempt (effective 5-6-26): 1-2 person households roughly $101,600-$143,160; 3+ person roughly $116,840-$167,020 depending on county. Annual gross household income used. | — |
| Idaho Housing Forgivable Loan (Down Payment / Closing Cost Assistance) | See programHousehold income limits apply (IHFA First Loan program limits). Specific dollar limits by county/household size are published in IHFA's First Loan income-limit tables and not reproduced on the consumer DPA page. | — |
| Idaho Housing Homebuyer Tax Credit (Mortgage Credit Certificate / MCC)Statewide · Statewide | See programIHFA First Loan program household income limits apply; vary by county and household size (updated annually). | — |
| Mortgage Finance Assistance (Nez Perce Tribal Housing Authority)Lapwai · Nez Perce | See programLow- and moderate-income tribal families (federal income guidelines); moderate-income families eligible with reduced benefits. Specific dollar limits not published on the official source. | — |
| NeighborWorks Boise Down Payment Assistance and Forgivable GrantsBoise · Ada | 80% of area median incomeDown payment assistance available to borrowers at or below 80% of Area Median Income. Household income limits cited: 1=$59,950; 2=$68,500; 3=$77,050; 4=$85,600; 5=$92,450. | — |
| NeighborWorks Pocatello Down Payment AssistancePocatello · Multiple | $170,000Household income limited to $170,000 (matches IHFA cap). Seed range $72,105-$145,424 reflects ~80%-160% Bannock County AMI band by household size; verify current limit table with NWP. Liquid assets must be under $25,000 at closing. | — |
| NeighborWorks Pocatello USDA Mutual Self-Help Housing ProgramAmerican Falls · Power | See programLow- and very-low-income families; income limits based on household size per USDA Rural Development guidelines for the area. | — |
| Project Reinvest Down Payment Assistance (NeighborWorks Pocatello)Pocatello · Bannock | 100% of area median incomeHousehold income, adjusted for household size, not to exceed 100% of Area Median Income. | — |
| Second MortgageStatewide · Statewide | $170,000Household income at or below $170,000 statewide; some bond-funded or tax-credit-tied products carry lower county-specific income limits per IHFA's posted charts. | — |
| SEICAA Self-Help Housing (with Down Payment Assistance & Gap Financing)Pocatello · Bannock | 80% of area median incomeAt or below 80% of Area Median Income. 2022 Bannock County limits (current builds are in Bannock County): 1p $40,850; 2p $46,650; 3p $52,500; 4p $58,300; 5p $63,000; 6p $67,650. Limits for Oneida/Franklin/Caribou not posted. | — |
| South Central Community Action Partnership (SCCAP) Self-Help Housing ProgramTwin Falls · Twin Falls | See programMust meet USDA income guidelines; generally serves families earning between 50% and 80% of area median income. | — |
| Treasure Valley Habitat for Humanity Homeownership ProgramBoise · Ada | 80% of area median incomeIncome must fall within current HUD income guidelines for Ada County (per published HUD income limit chart); applicant must meet debt-to-income requirements. | — |
| USDA Section 502 Direct Home Loan (Idaho)Statewide · Statewide | See programApplicant adjusted income must be at or below the applicable low-income limit for the area; very-low- and low-income applicants only. Varies by county and household size per USDA Direct income eligibility tables. | — |
| USDA Section 502 Guaranteed Loan Program (Idaho)Statewide · Statewide | 115% of area median incomeApplicant household income cannot exceed 115% of the area median household income; varies by county and household size per USDA Guaranteed income eligibility tables. | — |
Questions, answered
What are the income limits for down payment assistance in Idaho?
26 down payment assistance programs in Idaho publish an income limit, a purchase price cap, or both. 13 express the limit as a percentage of the area median income for the county where the home is, and 6 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
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