FHA VS Conventional loan programs in 2026 for Mountain-Home, Elmore County, Idaho

In 2026, the conventional loan limit for Mountain-Home, within Elmore county, ID, is $647,200. Meanwhile, the FHA limit for a single-family home is $420,680.

Employ the Lendersa® Conventional loan calculator to compare today's best rates between Conventional, FHA, and USDA loans. This helps assess the needed income, credit, reserves, and documents. Our advanced tool displays Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in the selection of the best program for your financial needs in ID.

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2026 Loan Limits and Down Payment Insights in Mountain-Home, Elmore, ID

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

Applicable to zip codes: 83647

Exploration of Conventional and FHA Loan Options in Mountain-Home, ID

Lendersa® aims to swiftly connect you with the best possible Conventional, USDA, or FHA loan options without hassle. Choose from three methods to link with suitable lenders and loan packages.

Matching results for USDA loans with Lendersa


Mountain-Home 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.

  • Signet Mortgage
  • 3060 S Rookery Ln, Boise, ID, 83706
  • Lends in Idaho
  • At Signet Mortgage we’ve chosen to become experts in reverse mortgages and renovation lending in addition to conventional and jumbo mortgages. Our objective is to offer a wide range of home and investment property financing for our clients. We can provide expert advice for the first-time homebuyer as well as our senior clients purchasing

  • Idaho Trust Bank
  • 888 West Broad Street, Boise, ID, 83702
  • Lends in Idaho
  • Founded in 1994 by brothers Daniel Prohaska & Thomas Prohaska, Idaho Trust Bank offers personal banking, private banking, and business banking, as well as personalized wealth management and investment management. Idaho Trust Bank specializes in delivering exceptional, relationship-based service with a solid commitment to responsiveness and action.

  • Northwest Bank
  • 1750 Front Street, Boise, ID, 83702
  • Lends in Idaho
  • Northwest Bank is a privately held community bank focused on serving the specific needs of businesses in Washington, Oregon, Idaho and Utah. Our experienced bankers deliver customized financial solutions and exceptional customer service. We do that by getting to know you, your business and your aspirations, first.

  • Health Care Idaho Credit Union
  • 208 W. Jefferson St, Boise, ID, 83702
  • Lends in Idaho
  • At Health Care Idaho Credit Union, membership equals ownership. We are a non-profit organization committed to providing our members with the best personalized service possible. We offer low interest rates on loans, minimal account fees and all accounts are insured by NCUA.

    Our mission is to provide excellence in personal financial services.

  • Mortgage Professionals of Sun Valley Inc
  • 800 West Main Street, Suite 1460, Boise, ID, 83702
  • Lends in Idaho
  • Mortgage Professionals of Sun Valley, your premier mortgage company in Boise, ID & the surrounding area. We provide a variety of mortgage services, including residential mortgage, commercial mortgage, home loans, jumbo loans, & refinance. We have the skill and experience necessary to serve as your full-service mortgage broker and mortgage lender.

  • Ameripro Mortgage llc
  • 950 W Bannock Street, Suite 1100, Boise, ID, 83702
  • Lends in Idaho
  • 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.

  • Benchmark Mortgage
  • 2535 W State St, Boise, ID, 83702
  • Lends in Idaho
  • Benchmark is a full-service mortgage banker and seller-servicer. Founded in 1999, the company is headquartered in Plano, TX . We’re licensed in 48 states across the United States and service loans nationwide. We are a community of mortgage professionals that are united by the Benchmark core values - success, relationship, dynamic, excellence

  • Payette Financial Services
  • 202 N. 9th Street, Suite 300, Boise, ID, 83702
  • Lends in Idaho
  • Payette Financial is a direct private money lender specializing in financing difficult transactions that conventional lenders avoid. We also buy performing and non-performing commercial loans from third parties. We offer funds to borrowers in Idaho, Arizona, Colorado, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming (and possibly