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Boise City/Ada County Housing Authority Housing Choice Voucher Homeownership Option (HCVHO)

Boise City/Ada County Housing Authorities (BCACHA) · Boise, Idaho

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What is Boise City/Ada County Housing Authority Housing Choice Voucher Homeownership Option (HCVHO)?

Boise City/Ada County Housing Authority Housing Choice Voucher Homeownership Option (HCVHO) is down payment assistance for homebuyers in Boise, Idaho, administered by Boise City/Ada County Housing Authorities (BCACHA).

  • The Housing Choice Voucher Homeownership Option (HCVHO) allows eligible families participating in or graduated from BCACHA's Family Self-Sufficiency (FSS) program to use their Section 8 voucher subsidy toward monthly homeownership/mortgage expenses instead of rent. Primarily designed for working families; elderly and disabled persons also qualify. Serves Ada County.
  • Monthly housing assistance payment (HAP) applied toward the family's homeownership expenses (mortgage, taxes, insurance) instead of rent.
  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from U.S. HUD Housing Choice Voucher (Section 8) program.

Do you have to pay it back?

Boise City/Ada County Housing Authority Housing Choice Voucher Homeownership Option (HCVHO) is down payment assistance and is repaid under the terms set by Boise City/Ada County Housing Authorities (BCACHA).

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Boise City/Ada County Housing Authority Housing Choice Voucher Homeownership Option (HCVHO) is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • Residency: Must have been a Housing Choice Voucher rental participant for at least one year within Ada County
  • Applicant must be a first-time homeowner with a household member who is a current FSS participant (at least one year) or FSS graduate, and must have been a Housing Choice Voucher rental participant for at least one year within Ada County. Minimum income and employment requirements apply. This is ongoing monthly payment assistance, not a lump-sum down payment grant.

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

Is there eligibility for specific groups?

Boise City/Ada County Housing Authority Housing Choice Voucher Homeownership Option (HCVHO) names buyers with disabilities among the groups it serves.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Boise City/Ada County Housing Authority Housing Choice Voucher Homeownership Option (HCVHO) is a federal program, so it is not limited to Idaho.

How do you apply?

Applications for Boise City/Ada County Housing Authority Housing Choice Voucher Homeownership Option (HCVHO) go through Boise City/Ada County Housing Authorities (BCACHA), which publishes the current terms and the application steps on its own site.

  1. Contact Boise City/Ada County Housing Authorities (BCACHA) to reserve funds

    Funds are reserved through Application/inquiry through BCACHA; limited to qualifying FSS/HCV participants, and are subject to availability.

  2. 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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