Buyer Information

See if you qualify
1. Find your annual gross household income in this table

Household  size

Income above

Income below

1 person



2 person



3 person



4 person



(Households larger than 4, see this page)

2. Do you have $500 for a down payment?

3. Can you qualify for a mortgage? (visit one of these Lenders)

About the Program

Moscow Affordable Housing Trust uses federal HOME funds to create affordable home ownership opportunities by rehabilitating houses or constructing new ones. 

Buyers may choose from standard lending programs (FHA, VA, Conventional, USDA-RD) offered by an IHFA approved Lender/Broker/Sponsor. 

                                 [Lenders doing IHFA Loans]

Houses are sold via the local real estate market at fair market value, there is no need to apply to the Housing Trust. Have your real estate agent review this page for more information about making an offer. Prior to making an offer buyers and agents are strongly encouraged to arrange a meeting with MAHT and our agent, Debbie Spurgeon at Team Idaho Real Estate.

Your next steps

  1. Choose a lender who works with IHFA 
  2. Have your lender review this page to help you prepare.
  3. Get prequalified for a mortgage and know your buying power.
  4. Read and agree to other HOME Program requirements

You are welcome to discuss these program terms with MAHT or your lender to be sure you understand them. Contact us for an appointment. A signed copy will be required before closing.
Buyer Resources
What can you afford? Try this Loan Calculator. NOTE: Loan calculators don't take into private mortgage insurance that the lender will require or property taxes. These costs must be considered in addition to the monthly payment on the loan. Visiting a mortgage lender can help you get a better picture of your true buying power.

Credit & Budgeting. University of Idaho Extension offers several short-courses on establishing credit, paying down debt, building your credit score, and basic financial planning which could help a family be more ready to decide to purchase, see this page.

Buying Process. You can learn more about all aspects of buying a home through Idaho Housing Finance Association's class Finally Home!® Classes are offered in person and online, see their Frequently Asked Questions (pdf)

Making an Offer to Purchase a MAHT house
Buyers should find a Real Estate agent of their choice. Prior to making an offer buyers and agents are strongly encouraged to arrange a meeting with MAHT and our agent, Debbie Spurgeon at Team Idaho Real Estate. 

Prior to the meeting, review these pages: Lender Information and Realtor Offer Worksheet.

Homebuyer Education & Counseling Required
Participants in the HOME program are required by IHFA to complete the Finally HOME! course and get 2 hours of 1-1 counseling. 

You will receive a certificate of completion from the Finally HOME course. A copy must be provided to your lender. In addition to meeting the HOME program requirement, the course may qualify you for discounts from your lender. Click on the image below to learn more.