Financing

Know your number before you shop

Play with the calculator, then let me introduce you to a local lender who answers the phone. Pre-approved buyers win more offers.

Home priceDown payment %Interest rate %Loan termProperty tax %HOA per month

Down payment: $54,000 · Loan: $486,000. Estimate only; your lender will give exact numbers.

Estimated monthly payment

$3,702

Principal & interest$3,072
Property tax$270
Insurance$158
PMI$203

Income needed (28% rule): about $158,651/year

Popular loan options in Idaho

Conventional

As little as 3% down for first-time buyers. No PMI once you reach 20% equity.

FHA

3.5% down with flexible credit. A great fit for many first-time buyers.

VA

0% down and no PMI for veterans, active duty and eligible spouses.

USDA

0% down in eligible rural areas, which covers much of East Idaho outside city limits.

💡 Down payment help: Idaho Housing and Finance Association (IHFA) offers down payment and closing cost assistance for qualifying buyers. Ask me which programs fit you.

Get connected with a lender

I work with local lenders who close on time and communicate. Tell me a little and I'll make a warm introduction, no spam calls from a dozen banks.