Coeur d'Alene Tribal Housing Authority Homeownership Program

What is Coeur d'Alene Tribal Housing Authority Homeownership Program?

Coeur d'Alene Tribal Housing Authority Homeownership Program is down payment assistance for homebuyers in Plummer, Idaho, administered by Coeur d'Alene Tribal Housing Authority (CDTHA).

• The Coeur d'Alene Tribal Housing Authority is the Tribally Designated Housing Entity for the Coeur d'Alene Tribe, empowered to provide financing and administer housing assistance for enrolled members and Native people on the reservation. Its Housing Counseling department delivers homebuyer education, prequalification, budgeting, and credit counseling, and the Authority maintains Mortgage Finance Assistance (MFA) and Individual Development Account (IDA) policies that support the transition to homeownership.
• Mortgage Finance Assistance (MFA) for tribal members.
• Individual Development Account (IDA) matched-savings policy.
• HUD-certified homebuyer education and counseling.
• Prequalification and loan application assistance.
• This is a federal program, so it is available beyond a single state or city.
• Funding comes from NAHASDA / Indian Housing Block Grant and ICDBG (HUD); Mortgage Finance Assistance (MFA) and Individual Development Account (IDA) policies.

Do you have to pay it back?

Coeur d'Alene Tribal Housing Authority Homeownership Program is down payment assistance and is repaid under the terms set by Coeur d'Alene Tribal Housing Authority (CDTHA).

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

Who qualifies?

Coeur d'Alene Tribal Housing Authority Homeownership Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

Coeur d'Alene Tribal Housing Authority Homeownership Program sets its income limit as follows: Income guidelines per HUD/NAHASDA; specific dollar limits set by Authority policy (not published online).

• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Is there eligibility for specific groups?

Coeur d'Alene Tribal Housing Authority Homeownership Program names American Indian and Alaska Native buyers 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?

Coeur d'Alene Tribal Housing Authority Homeownership Program is a federal program, so it is not limited to Idaho.

How do you apply?

Applications for Coeur d'Alene Tribal Housing Authority Homeownership Program go through Coeur d'Alene Tribal Housing Authority (CDTHA), which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through CDTHA Housing Counseling Services (homebuyer education, prequalifying assistance, budgeting, credit counseling, loan application assistance)..

2. 2

   Contact Coeur d'Alene Tribal Housing Authority (CDTHA) to reserve funds

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

3. 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.