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AutumnGold Affordable Housing Homeownership Program

AutumnGold Affordable Housing · Caldwell, Idaho

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Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Forgivable

Forgiven after 20 years

What is AutumnGold Affordable Housing Homeownership Program?

AutumnGold Affordable Housing Homeownership Program is a forgivable loan for homebuyers in Caldwell, Idaho, administered by AutumnGold Affordable Housing.

  • AutumnGold Affordable Housing, a Caldwell-based nonprofit, offers homeownership assistance to qualified low- to moderate-income participants in the Boise-Nampa MSA in the form of down payment, closing cost, and mortgage-reduction assistance. Qualified participants purchase a newly renovated or newly constructed AutumnGold home.
  • Down payment, closing cost, and mortgage-reduction assistance toward the purchase of a newly renovated or newly constructed home; amount is discretionary and based on documented need.
  • Funding comes from HUD HOME and Neighborhood Stabilization Program (NSP) funds.

Do you have to pay it back?

AutumnGold Affordable Housing Homeownership Program is forgiven after 20 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Participants must occupy the home as primary residence for 5 to 20 years depending on the amount of assistance awarded (forgiven over the required residency period).
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

AutumnGold Affordable Housing Homeownership Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Finally Home! Homebuyer Education (eight hours, online or in person)
  • Residency: Must occupy purchased home as primary residence for 5-20 years depending on assistance level
  • Participants may not own or be on title for other property at time of purchase. Amount of assistance is at the discretion of the granting agency and based on need. Buyers purchase specific AutumnGold homes; each home lists applicable income limits. Waitlist signup required. Exact maximum assistance amount and interest rate not published.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

AutumnGold Affordable Housing Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • Documented 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.
  • The limit applies to total household income, not only the borrower’s.
  • The program lists a maximum household size of 7.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

AutumnGold Affordable Housing Homeownership Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

AutumnGold Affordable Housing Homeownership Program serves buyers purchasing in Caldwell, Idaho.

How do you apply?

Applications for AutumnGold Affordable Housing Homeownership Program go through AutumnGold Affordable Housing, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Finally Home! Homebuyer Education (eight hours, online or in person).

  2. Contact AutumnGold Affordable Housing to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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