FHA VS Conventional loan in Jerome, Jerome County, Idaho

For 2026, the conventional loan limit in Jerome, Jerome county, ID stands at $726,200, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to explore today's best rates between Conventional, FHA, and USDA loans, and assess the required income, credit, reserves, and documentation for qualification. Our advanced mortgage tool allows you to see Conforming Conventional, USDA, FHA, and VA loans side by side, assisting in selecting which program in ID fits your financial criteria best.

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2026 Loan Limits and Down Payment Requirements in Jerome, Jerome, ID

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $356,300 0%
FHA $472,030 3.5%

This table applies to zip codes: 83338

Conventional and FHA Loan Options in Jerome, ID

Lendersa® is committed to connecting you with the best possible Conventional, USDA, or FHA loan swiftly and without hassle. Choose one of three approaches to find lenders and matching loan programs.

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Jerome Lenders

  • Farmers Bank - Idaho
  • 914 Main Street, Buhl, ID, 83316
  • Lends in Idaho
  • The Bank will provide quality services & products in a safe & secure environment at competitive prices to our customers. The Bank will provide services & products by friendly, competent people who are well trained, adequately compensated, & treated fairly. Farmers Bank will be an active member of the community with a tradition of financial support.

  • DL Evans Bank
  • 375 N Overland Ave, Burley, ID, 83318
  • Lends in Idaho
  • D.L. Evans Bank! We know there are many financial institutions you could bank with, so here is what makes us different: Our greatest asset is you. We owe our success to the relationships we have with our customers, not the size of their accounts or a sales quota. Our customers are our partners and friends, and their success is what drives us.

  • MORTGAGE SOLUTIONS
  • 321 N Main St., Bellevue, ID, 83313
  • Lends in Idaho
  • Mortgage Solutions delivers quick and precise mortgage loans to homebuyers and homeowners that will best suit their personal financial portfolios. Offered loan products include Conventional and Jumbo/High Balance, Construction Loans, FHA, USDA, and VA. Mortgage Solutions manages the process for you by applying for loans with different lenders,

  • Pioneer Federal Credit Union
  • 250 W 3rd S, Mountain Home, ID, 83647
  • Lends in Idaho
  • PFCU is a not-for-profit, member-owned and member-operated financial cooperative. Established in 1954, PFCU has grown to move the money forward of more than 43, 000 members. We're dedicated to providing our members with the very best in financial services at competitive rates and terms.

  • Mountain Home Mortgage
  • 797 S Haskett St, Mountain Home, ID, 83647
  • Lends in Idaho
  • At Mountain Home Mortgage, we believe that we have a duty to educate and prepare borrowers for the commitment of a mortgage. We know that the home buying process can be stressful and we aim to make our clients feel like special friends as we help them achieve the dream of home ownership.

  • Rails West Federal Credit Union
  • 4708 N Yellowstone Avenue, Chubbuck, ID, 83202
  • Lends in Idaho
  • The Rails West Federal Credit Union has been serving members since 1935. We are a non-profit financial institution, owned and controlled by our members. Our Mission is to serve the personal financial needs of our members efficiently and vigorously.

    Our Vision is to become the primary financial institution for the entire credit union

  • The Mortgage Specialists
  • 770 East Chubbuck Road, Pocatello, ID, 83202
  • Lends in Idaho
  • "The Mortgage Specialists is an industry-leading mortgage brokerage firm in Idaho with one goal in mind: to get you the best mortgage possible.

    From beginning to end, our team of highly qualified mortgage brokers will simplify the process for you. We have established connections with several noteworthy lenders in the country,

  • Ireland Bank
  • 33 Bannock Street, Malad City, ID, 83252
  • Lends in Idaho
  • Ireland Bank is a community bank that’s big enough to serve you, small enough to care. We’re proud to have contributed to the growth of Idaho communities since 1892. We were originally founded in Malad, Idaho by the pioneer community’s leading citizens. Ireland Bank has survived depressions, stock market crashes, wars and agricultural disasters.

  • SEI Credit Union
  • 555 N 5th Avenue, Pocatello, ID, 83201
  • Lends in Idaho
  • At SEI Credit Union, we think managing your finances should be simple. We pride ourselves on knowing your name when you walk through our door. We are a professional credit union with the convenience afforded by hometown values. Contact us today!Credit Union, we think managing your finances should be simple.

  • Connections credit union
  • 1150 North 8th Avenue, Pocatello, ID, 83201
  • Lends in Idaho
  • Connections Credit Union is open to most persons, along with family members who live and work in Ada, Bannock, Bingham, Bonneville, Canyon, Cassia, Jefferson, Jerome, Lincoln, Minidoka, and Twin Falls counties. Membership also extends to businesses and other legal entities operating in those counties.