One of the best options available to Idaho homebuyers Just came available as of April 1, 2014. If is the long awaited 5% Down Payment Assistance (DPA) program available to FHA/VA/RD and Lo Mortgage Insurance programs. This is a 2nd Mortgage and requires only a modest 620 credit score. You can access your credit score that we will use to pre-qualify you right here on this site for your convenience.