It is encouraged for homebuyers to put as much down as possible, as this helps lower the amount you will need to pay to completely own your home, saving you from extra compound interest. However, first-time homebuyer programs can help either cover the cost of a down payment or help you qualify for a lower down payment. Idaho Housing down payment assistance programs can help homebuyers put as little as $500 down when buying their first home. VA loans and other special offers could require 0% down.