Keeping families rooted in North Idaho.
Everyday, hardworking families are denied home loans due to a small gap in their down payment - all because home prices have surged 235% in the last decade.
Young Family's Foundation provides down payment assistance to bridge this gap, so local families can plant roots, strengthening the community & economy we all depend on.
Families, click here to find out if you’re eligible.
80%
OF KOOTENAI COUNTY CANNOT AFFORD A MEDIAN-PRICED HOME.
Watch the video to learn more
Our kids work just as hard as we did, yet may never own a home here in North Idaho. A reality that we have the power to change!
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When successful leaders come alongside & support young families, we become a part of something bigger than ourselves. We provide opportunities that mean...
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Local families can buy their first home and plant roots in North Idaho.
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Children have a safe place to call "home", decorating their room and playing in their own backyard.
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Families can begin to invest, building wealth that will be passed on to their children.
If we do not take action, young families will continue to move away from North Idaho, leaving a void in our community and deteriorating our economy.
“My son's experience opened my eyes. He and his wife did everything right ... they worked hard, saved responsibly, built good credit ... but still couldn't afford a home here without our help. We were able to bridge that gap for them, but thousands of young families in North Idaho don't have someone who can. That's the problem we're solving. These families aren't looking for handouts, they just need what my wife and I were able to provide our son: a chance.”
-Pat Hogan, Cofounder YFF
HOW OUR MODEL WORKS
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Eligible families seek preapproval from a partner lender. eligibility requirements >
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If a gap exists, the lender contacts YFF to secure funding.
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The family takes a homebuyer education course.
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Down payment assistance is transferred to the title company at closing.
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After they’ve lived in the house for 3 years, the down payment never has to be repaid.
Why a grant & not a loan?
because we want to invest in our young families, not burden them.
Traditional DPA Loan:
⊗ Must be repaid
⊗Added monthly payment
⊗ Delays wealth-building
⊗ creates stress
YFF Grant Model:
✔︎ Nothing to repay after 3 years
✔︎ Builds equity immediately
✔︎ Focuses on long-term stability
✔︎ Dignity, not debt
WHY PARTNER WITH US?
One Clear Mission
Growing home ownership through down payment assistance & education
Immediate Lasting Impact
Lender partners work directly with YFF to get young families into homes quickly to help build equity
Proven Leadership
Maximizing impact by keeping overhead low, putting more money in the hands of young families
Collaborative Approach
Leaders from multiple sectors coming together to effect change for families and our economy
Meaningful Connection & Purpose
Investing in what matters most - creating lasting change for the next generation
No Strings Attached
Families don’t have to pay anything back, provided they live in the house for 3 years
Before you consider supporting Young Family’s Foundation, take these 3 steps:
STEP 1 - WATCH THIS VIDEO
to understand our vision and see it’s a fit for how you’re being called to help
STEP 2 - MEET OUR FOUNDER OVER COFFEE
we are big on real relationship, and want to meet you
STEP 3 - ATTEND A VIP EVENT
to connect with our community of advocates & philanthropists
Currently, 100% of your donation goes directly to help young families with down payment assistance.
You'll see the life-changing impact of your investment through regular family stories and homeownership updates. You're also invited to join an advocacy committee, attend a VIP event, or connect with fellow community & business leaders committed to helping local families thrive.
PROUD TO PARTNER WITH
Young Family’s Foundation (YFF) is a collaborative effort that would not be possible without the support of donors & strategic partners across North Idaho.
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