Affordable Homeownership


The City of Boise's Housing Loan Programs offer persons of low/moderate income an opportunity to construct a new home or purchase an existing home (or a Class “A” manufactured home on its own land) within Boise City Limits.

Housing Loans

  • Program Overview
    The City loans qualified applicants up to 25% of the purchase price to purchase a home within Boise City Limits.
  • Qualified Applicants
    Applicants must meet income guidelines as determined by the U.S. Department of Housing and Urban Development (HUD) each year.
  • Details
    Applicants are required to receive a commitment letter from any lender of their choice for the first deed of trust.   
    • Funds are available on a first come, first serve basis
    • Property must be located within Boise City Limits
    • We are an Equal Opportunity Lender
  • Prepayment Penalty
    Each loan will have a prepayment penalty, not to exceed fifteen (15) years, based on the equity received at the time of refinance or sale of the home during that time period. 


Housing Program Documents