Qualifying for special, government-backed home loan programs can save you a lot on your monthly mortgage payments, if you meet the qualifications. D.L. Evans Bank is an approved lender — and happy to help!

Our local, expert advisors can help you find a program that meets your needs so you can get the home of your dream — at a payment that you and your family can afford.


Below are some of the Government and Minimum Down Payment programs that we offer. Let us help you find our which program(s) you qualify for!

Federal Housing Administration (FHA)

A 3.5% down payment is required on purchase loans, and the down payment can come from gift funds.  Refinance options are available too. FHA can be more flexible when it comes to approving the borrower.

USDA Rural Development (RD)

This program provides 100% financing (no down payment required) and helps people that meet their income guidelines purchase a home in designated rural communities.

Veterans Administration (VA)

The VA provides 100% financing (no down payment required) for eligible Veterans and U.S. military personnel. This program is very flexible with income and credit and doesn't have private monthly mortgage insurance (PMI), which means a lower monthly mortgage payment.

Idaho Housing and Finance Association (IHFA)

IHFA is a non-profit organization based in Idaho that specializes in providing eligible buyers that meet their income guidelines with low down payment mortgage loans, as well as down payment assistance through down payment loans and gift fund programs. As an approved Idaho Housing lender, we offer these programs to eligible buyers.

Explore our many options and reach out to one of our lenders to learn more.