As of 2026, the FHA loan limits in Eagle county, part of Ada, ID, are set at $586,500 for a single-family home. For properties featuring two units, the limit extends to $750,800; for three-unit structures, it reaches $907,550, and for four-unit homes, the maximum is $1,127,900.
Conversely, the highest allowable amount for conventional loans on a single-family residence is $726,200. This rises to $929,850 for two-unit buildings, $1,123,900 for units with three families, and $1,396,800 for four-unit dwellings.
Utilize our FHA calculator to uncover today’s best FHA rates and to understand the necessary down payment, income requirements, credit, reserves, and documentation needed for loan qualification.
The Lendersa® calculator enables a comprehensive comparison of FHA rates and terms with other loan offerings, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By sourcing information from thousands of lenders, Lendersa® provides rapid comparisons tailored to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Eagle county, Ada, ID, provides a detailed examination of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM Reverse Mortgage, and hard money loans. For a comparison of qualification necessities such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $586,500 | $750,800 | $907,550 | $1,127,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $415,100 | $415,100 | $415,100 | $415,100 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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