Ada, Idaho · Loan
Home Improvement Program (City of Boise)
Run by City of Boise Planning & Development Services, Housing and Community Development
Boise homeowners at or below 80% of area median income can get a city loan for urgent repairs such as roofs, heating and cooling systems, plumbing, electrical and energy efficiency work. Loans are forgivable under 30% AMI, deferred at 0% for 31-50% AMI, and low-interest for 51-80% AMI, up to $40,000 or $60,000.
Amounts
How much you get
Assistance is always a loan, recorded as a lien on the home. The amount depends on which of these fits your install.
| What you install | You get |
|---|---|
| Household income at or below 30% AMI (0% interest, forgiven over 5 to 20 years while you live in the home)Forgivable loan | N/A |
| 31-50% AMI (0% interest, due when the home is sold or transferred)Deferred loan | N/A |
| 51-80% AMI (variable interest up to 3%, monthly payments)Traditional loan | N/A |
Eligibility
Do I qualify?
You need to meet all 5 of these.
Your home is in Ada, Idaho.
Total household income at or below 80% of Boise's Area Median Income ($62,000 for 1 person to $116,900 for 8, effective June 1, 2026).
People in your home Income at or below 1 $62,000 2 $70,960 3 $79,700 4 $88,550 5 $95,650 6 $102,750 7 $109,850 8 $116,900 You must own the home and live in it as your primary residence.
You must keep the home as your primary residence for the term of the loan; it may not be leased, rented or converted to commercial use. The city checks occupancy every year.
The home must need eligible repairs.
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Check the income chart and apply online through the city's application portal (Neighborly).
Upload photo ID, proof of ownership, two months of bank statements, proof of income and asset information.
- Wait for your application to reach the top of the waitlist.
Applications are generally handled in the order received; emergencies such as no heat in winter can be moved up.
- A Home Improvement Coordinator visits to assess repairs, and you sign a Project Agreement.
- The city prepares the repair plan, requests contractor bids, and you sign the construction contract.
- Repairs are completed under city supervision.
- Sign the loan documents; the city records a lien until the loan is forgiven or paid off.
Photo ID for all household members age 18+
Current mortgage statement or proof of ownership (deed, title, or sale contract)
Two months of bank statements
Proof of income for all household members age 18+
Information for other assets (savings accounts, property, vehicles)
Forms and instructionsHome Improvement Program Resident Guide 2026 (City of Boise) · Income and Affordable Rent Guidelines (City of Boise) · Housing and Community Development (City of Boise)
Questions about applying(208) 570-6830 or housing@cityofboise.org
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Home Improvement Program (City of Boise) pay?
Up to $60,000.
Is there an income limit?
Total household income at or below 80% of Boise's Area Median Income ($62,000 for 1 person to $116,900 for 8, effective June 1, 2026).
Do renters qualify?
You must own the home and live in it as your primary residence. You must keep the home as your primary residence for the term of the loan; it may not be leased, rented or converted to commercial use. The city checks occupancy every year.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
Plain words
Words used on this page
- AMI
- Area median income: the middle household income where you live, set each year by HUD.
References
Sources
This page is built from these official pages, run by the program itself.
- Home Improvement Program (City of Boise)
- Home Improvement Program Resident Guide 2026 (City of Boise)
- Income and Affordable Rent Guidelines (City of Boise)
- Housing and Community Development (City of Boise)
When one of these pages changes, we re-check this page against it.
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