Home Ownership

Family standing in front of their home

Housing Loan Programs

The City of Boise's homeownership loan program offers income-qualified applicants an opportunity to purchase a home within Boise City limits. The city will provide a second loan up to 25% of the purchase price.

Apply for a Loan

Loan Process

  1. Get preapproved with a primary lender
  2. Submit completed application
    Download Application (PDF) (Other languages available upon request)
  3. Eligibility Review
    Applications are reviewed for program guidelines
  4. If previous steps are completed and approved, the loan moves forward.
  5. City works with primary lender to prepare for closing.
  6. Loan closing.

Qualification Criteria

  • Credit score above 620
  • Household earns 80% or less of area median income
  • Home is located in Boise City limits
  • 3 years’ post-bankruptcy/foreclosure/short sale
  • Housing debt cannot exceed 35% (Primary Lender and City loans) of gross income
  • All debt (housing debt + revolving debt, student loans, installment loans) cannot exceed 42% of gross income

Loan Terms

City of Boise Loan Payments

Pay in Person

Boise City Hall
150 N. Capitol Blvd. - 2nd Floor

Get Directions
Over the Phone

Call (208) 570-6846 to pay with a debit or credit card.

On Your Phone? Call Now
By Mail

Send your payment to:

Housing and Community Development
P.O. Box 500
Boise, ID 83701-0500

Automatic Withdrawal

Sign up for automatic withdrawal.

Sign Up (PDF)

Loan Payoff Request

The City of Boise requires a written request for all loan payoff information. To request a loan payoff, please complete this form.

Loan Payoff Request Form

Document Translation

Any document on Housing and Community Development's website can be translated into other languages upon request.

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Send a Message to Housing and Loans Program

Thank you for your interest in the City of Boise's Housing and Loans program. Please use the form below to contact a member of our team.