Down Payment Assistance!

Get into a Home Today!  Some programs have limited amounts
of funds each year and when they are gone,
they are gone! 

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Down Payment Assistance Video for Home Loans

First Plus: Gift Program

  • Provides up to $2000 Gift towards Down Payment
  • Utilize First Plus 2nd Program for 100% Financing
  • 1st Time Home Buyer
  • 2nd Time Home Buyer
  • Second Mortgage
  • Use with FHA
  • Use with Rural Development
  • Minimum FICO: 620
  • Minimum Borrower needs for Closing: $500
     

*Income Restrictions. See Below.

 

First Plus: 2nd Mortgage

  • Provides up to 2.5%, Low Interest Rate
  • 2nd Mortgage for Down Payment
  • 1st Time Home Buyer
  • 2nd Time Home Buyer
  • Is a Second Mortgage: Yes
  • Use with FHA
  • Use with Conventional
  • Use with Rural Development
  • Minimum FICO: 640.
  • Minimum Borrower needs for Closing: .50% of Loan Amount

*Income Restrictions. See Below.

 

Good Reward: 2nd Mortgage

  • Provides up to 2.5%, Low Interest Rate
  • 2nd Mortgage for Down Payment
  • 1st Time Home Buyer
  • 2nd Time Home Buyer
  • Is a Second Mortgage: Yes
  • Use with FHA
  • Use with Conventional
  • Use with Rural Development
  • Minimum FICO: 680
  • Minimum Borrower needs for Closing: .50% of Loan Amount

*Income Restrictions. < $90,000 Household Income.

 

 

 

 

Home DPACC

  • Provides minimum $1000.
  • Maximum $14,999 or 10% of purchase price.
  • Silent 2nd for Downpayment or Closing Costs (No Monthly Payments)
  • 1st Time Home Buyer
  • 2nd Time Home Buyer
  • Is a Second Mortgage: Silent
  • Use with FHA
  • Use with Conventional
  • Use with Rural Development
  • Minimum FICO: 620
  • Minimum Borrower needs for Closing: $500

*Income Restrictions. See Below.

 

Boise City 2nd Mortgage

  • City of Boise Provides up to $35,000 or 25% for Down Payment**
  • 1st Time Home Buyer In Boise
  • 2nd Time Home Buyer In Boise
  • Is a Second Mortgage: Yes
  • Use with FHA
  • Use with Conventional
  • Minimum FICO: 620
  • Minimum Borrower needs for Closing: $500



     

*Income Restrictions. See Below.
** Must live in City of Boise borders.

 

 


 

Income
Guidelines

Family Size: 1

IHA Gift/First Plus (ADA):
$61,300
IHA Gift/First Plus (Canyon):
$73,560

City of Boise/Home DPACC:
$33,600

 

Family Size: 2

IHA Gift/First Plus (ADA): 
$61,300
IHA Gift/First Plus (Canyon): 
$73,560
City of Boise/Home DPACC: 
$33,400

 

Family Size: 3

IHA Gift/First Plus (ADA): 
$70,495
IHA Gift/First Plus (Canyon): 
$85,820
City of Boise/Home DPACC: 
$43,200

 

Family Size: 4

IHA Gift/First Plus (ADA):
$70,495
IHA Gift/First Plus (Canyon): 
$85,820
City of Boise/Home DPACC: 
$48,000

 

Family Size: 5

IHA Gift/First Plus (ADA): 
$70,495
IHA Gift/First Plus (Canyon): 
$85,820
City of Boise/Home DPACC: 
$51,850

 

Family Size: 6

IHA Gift/First Plus (ADA): 
$70,495
IHA Gift/First Plus (Canyon): 
$85,820
City of Boise/Home DPACC: 
$55,700

 

Family Size: 7

IHA Gift/First Plus (ADA): 
$70,495
IHA Gift/First Plus (Canyon): 
$80,820
City of Boise/Home DPACC: 
$59,550

 

Family Size: 8

IHA Gift/First Plus (ADA): 
$70,495
IHA Gift/First Plus (Canyon): 
$85,820
City of Boise/Home DPACC: 
$63,400

 

Guidelines & Income limits subject to change at any time, Call TODAY for complete details and restrictions.

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