Habitat for Humanity of North Idaho Homeownership Program

Habitat for Humanity of North Idaho Homeownership Program is down payment assistance for homebuyers in Coeur d'Alene, Idaho, administered by Habitat for Humanity of North Idaho, Inc. Habitat for Humanity of North Idaho has provided affordable homeownership in Kootenai County since 1988 through new (primarily condo-style) construction and the rehabilitation/resale of existing homes. Qualification is based on need (priority to households at or below 80% AMI, up to 100% in some cases), ability to pay an affordable mortgage with reasonable credit and stable income, and willingness to partner by completing 250 sweat-equity hours per adult over roughly 12-18 months. The affiliate is a licensed mortgage lender (NMLS #1672570). Affordable no-profit mortgage. Condo-style homes lower entry cost. Sweat equity substitutes for cash down payment. Financial and homebuyer education included.

Habitat for Humanity of North Idaho Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of North Idaho, Inc.. Repayment is triggered by Standard mortgage payments; resale restrictions per Habitat agreement. The assistance is recorded in First position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Habitat for Humanity of North Idaho Homeownership Program is open to homebuyers who will live in the home as their primary residence. A homebuyer education course is required. Residency requirement: Serves low-to-medium income residents of Kootenai County. Every adult in household must complete 250 sweat-equity hours; satisfactory credit and stable income required; serves Kootenai County only.

Habitat for Humanity of North Idaho Homeownership Program limits household income to 80% of the area median income, which varies by county and household size. Priority 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). The limit applies to total household income, not only the borrower’s. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Habitat for Humanity of North Idaho Homeownership Program can be used for Single Family and Condo. New construction is eligible.

Habitat for Humanity of North Idaho Homeownership Program serves homebuyers purchasing in Coeur d'Alene, Idaho.

Applications for Habitat for Humanity of North Idaho Homeownership Program go through Habitat for Humanity of North Idaho, Inc., which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.