Ever dreamt of gazing out your window at the breathtaking Idaho landscape, knowing it's your own backyard? The dream of homeownership can feel out of reach with the rising costs of down payments and closing fees.  

But fear not, fellow Idahoan! Kind Lending is here to unlock the door to your dream home with a variety of incredible programs offered by the Idaho Housing and Finance Association (IHFA).

What You Need to Know

• Program goal is to reduce the up-front cash needed to purchase a home with a first and second lien

• Down payment assistance (DPA) up to 7% of the lesser of the home’s sales price or appraised value is offered.  

• 15-year fixed rate that is to be repaid monthly over 15 years

• No first-time homebuyer requirements

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Program Highlights

Fannie HFA Preferred and Freddie HFA Advantage (Conventional Financing)

• Down payment assistance (DPA) permitted

• Credit as low as 620

• Borrower required to contribute only .5% of their own funds

• Reduced Mortgage Insurance (MI) available

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FHA & USDA Financing:

• Down payment assistance (DPA) permitted

• Credit as low as 620

• Borrower required to contribute only .5% of their own funds

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Idaho Heroes Loan Program:

• Offered to nurses, teachers, and first responders (firefighters, police, paramedics, and EMTS)

• .5% borrower contribution requirement waived

• Credit as low as 620

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Don't Let Affordability Hold You Back

Whether you're a first-time buyer or looking for a financial boost to make your homeownership dream a reality, these IHFA programs are here to help.  By lowering your financial barriers, you can turn the dream of owning a piece of the Idaho landscape into a beautiful reality.

Ready to unlock the door to your future?  Contact us today to learn more about how these programs can help you achieve homeownership!

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_{Available only in the state of Idaho. Kind Lending, LLC is an FHA Approved Lending Institution. FHA charges a one-time upfront mortgage insurance premium which can be financed as part of the loan. USDA charges a one-time upfront Guarantee Fee which can be financed as part of the loan and an annual fee for mortgage insurance. Property must qualify for USDA program. Not affiliated with any government agency. Restrictions apply for DPA with Conventional financing. Mortgage insurance may be required on loans greater than 80% LTV and will increase your monthly payment. Reduced MI is subject to eligibility. All down payment assistance (DPA) grants/programs are subject to restrictions and specific loan guidelines. This is no way implies guaranteed approval for a DPA. Terms and Conditions Apply.}