Idaho Housing Tax Credit (Mortgage Credit Certificate)

Idaho Housing and Finance Association

Available Down Payment

About This Program

Mortgage Credit Certificate program for first-time homebuyers in Idaho including Star. Provides federal income tax credit equal to 30% of annual mortgage interest paid, up to $2,000 per year for the life of the loan.

Tax credit equals 30% of mortgage interest paid annually, maximum $2,000

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Federal tax credit up to $2,000 annually
  • 30% of mortgage interest paid each year
  • Available for first-time homebuyers in Star
  • Credit lasts for life of the mortgage
  • Income and purchase price limits apply

How to Apply

Get free help applying Visit Official Program Page Track this program

(208) 331-4882

A grant-savvy contractor in Star, ID can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Your federal tax return for the year of the work (this benefit is claimed on your taxes, not through a separate application).
  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing program

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