Habitat for Humanity of North Idaho Homeownership Program

What is 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.

Do you have to pay it back?

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.

Who qualifies?

Habitat for Humanity of North Idaho Homeownership Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

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.

What kind of home can it be used for?

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

• New construction is eligible.

Where does it apply?

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

How do you apply?

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.

1. 1

   Take a homebuyer education course

   Required by the program before funds are reserved.

2. 2

   Contact Habitat for Humanity of North Idaho, Inc. 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.