About This Idaho Down Payment Assistance Site
Straight, current information on IHFA, from a lender who originates these loans directly, not a lead broker.
Why this site exists
Search "down payment assistance in Idaho" and you will hit pages that call it a "grant" when it is not, or skip the fact that you make payments on it. We keep this site current and honest to the actual IHFA program, the up-to-8% repayable second mortgage, the $500 minimum, the no-credit-score path, and we confirm the current amounts and limits directly with IHFA rather than quote a stale figure. When the numbers do not work for you, we say so.
What we do
- Originate IHFA loans directly, the down payment assistance second with conventional, FHA, VA, and USDA first mortgages.
- Run the honest math, the full combined payment, first plus second, before you commit.
- Serve Idaho statewide, Boise, Meridian, Nampa, Idaho Falls, Coeur d'Alene, Twin Falls, Pocatello, and every county.
- Help no-score and thin-file buyers, through IHFA's manual-underwriting path.
Who you work with
Mike Certo is a branch manager and licensed mortgage loan officer with Cornerstone First Mortgage (NMLS #260555; company NMLS #173855). He is an approved participating lender for IHFA and closes these loans across the state. This site is an educational resource, not the program administrator; the programs are run by the Idaho Housing and Finance Association (IHFA).
Have a question? Talk to Mike
Tell us your county, credit range, and price target, and we’ll map your Idaho path in a no-pressure 20-minute call. No obligation.