FHA VS Conventional loan programs in 2025 for Lincoln, Bonneville County, Idaho

In 2025, the conventional loan cap for a single-family residence in Lincoln, Bonneville county of ID, is set at $726,200. The FHA limit is $523,250.

Try the Lendersa® Conventional loan calculator to evaluate current Conventional, FHA, and USDA rates, while also evaluating the requisite income, credit score, reserves, and documents needed for qualification. This advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side-by-side, aiding you to decide which suits your financial needs in ID best.

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2025 loan ceilings and downpayment specifications in Lincoln, Bonneville county, ID

Loan Category Maximum Limit Initial Payment
Conventional Conforming $726,200 3%
USDA $356,300 0%
FHA $523,250 3.5%

This comparison applies to these zip codes: 83401

Exploring Conventional and FHA options in Lincoln, ID

With Lendersa®, the focus is on swiftly obtaining the best Conventional, USDA, or FHA loan without delay. Choose from three options to link you with matching loan programs and lenders.

Lendersa USDA loan request and matching results


  • Premier Mortgage Advisors LLC
  • 6330 Riverside Plaza Lane Northwest, Suite 175, Albuquerque, NM, 87120
  • Premier Choice Mortgage is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. We see people such as yourself being so enthused with the process and service we provide that you will become a raving fan for us, telling stories to people of what you just experienced.
  • NewCastle Mortgage
  • 6260 Riverside Plaza Ln NW, Albuquerque, NM, 87120
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Indigo Mortgage
  • 5501 Eagle Rock Ave NE, Bldg B, Albuquerque, NM, 87113
  • Indigo Mortgage is committed to an ethical process throughout all aspects of any mortgage loan transaction. We strive to treat each & every borrower with respect & we never forget that there are real people making real decisions.Indigo Mortgage understands that the needs of the client always come before the need of profits.
  • Custer Federal State Bank
  • 341 South 10th Avenue, Broken Bow, NE, 68822
  • Custer Federal State Bank we pride ourselves on giving each customer the most convenient and secure financial services available adorned with a superior customer service experience and hometown feel. Custer Federal State Bank has all the tools you need to achieve your financial goals.
  • CC Mortgage
  • 1601 Biarritz Street, Tracy, CA, 95304
  • CC Mortgage offers a wide range of mortgage options to meet your financial needs and circumstances. Whether you’re a first-time property buyer or interested in refinancing your mortgage, I’m here to guide you through the process. Contact me today for a special offer and learn what I can do for you.
  • Mortgage Solutions, Inc
  • 1775 Lincoln Avenue, Napa, CA, 94558
  • At Mortgage Solutions, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Napa Valley Lending
  • 5230 Country Lane, Napa, CA, 94558
  • Our company is based on the belief that our customers’ needs are of the utmost importance. Our entire team is committed to meeting those needs. As a result, a high percentage of our business is from repeat customers and referrals.We would welcome the opportunity to earn your trust & deliver you the best service in the industry, honestly, ethically.
  • Icon Capital Group, Inc.
  • 3449 Crestview Way, Napa, CA, 94558
  • Icon Capital has built its mortgage practice based on planning with the lowest cost loan strategy over time. Utilizing competitive rates and loan products that can easily be managed and interwove into your overall short and long term financial goals to maximize wealth creation, cash flow and cost.
  • First Financial Credit Union NM
  • 4910 Union Way NE, Albuquerque, NM, 87107
  • First Financial Credit Union was formed in 1937 by 10 members of the telephone company here in New Mexico. In the early 80s, the breakup of the Bell System occurred. With the breakup came a period of downsizing in the state. At this point, First Financial chose to pursue additional fields of membership so as to not be impacted by the changes.
  • Pacific Bay Estates
  • 700 Main Street, Suite 211, Suisun City, CA, 94585
  • Pacific Bay Estates offers a variety of real estate services for the communities we serve, including Residential Sales including Short Sales and Foreclosures, as well as Property Management. We have over 15 years experience and a very diverse background in real estate which enables us to identify options and solutions for our clients.