For 2026, the FHA loan limit in Garden-City county located in Ada, ID is set at $415,150 for single-family homes. For properties consisting of two units, the limit rises to $531,450, then escalates to $642,400 for three units, and caps at $798,350 for residences with four units. These structured limits provide clear financial guidelines based on property type and unit count.
Regarding conventional loans, the maximum available amount for a single-family residence is $548,250. For two-unit homes, this amount increases to $702,000, further advancing to $848,500 for three-unit dwellings, and peaking at $1,054,500 for four-unit establishments. This stratification accommodates varying scales of housing needs effectively.
Utilize our FHA calculator to discover the best FHA rates currently available and determine essential financial details such as the required down payment, income levels, credit evaluation, reserves, and necessary documentation for qualification. This tool provides essential insights to streamline your eligibility process.
The Lendersa® calculator enables comprehensive comparison of FHA rates and terms with a diverse array of other loan programs. These include Conventional loans, Jumbo loans, VA loans, USDA, Non-QM, and hard money loans, offering extensive exploration of potential loan strategies.
Lendersa® compiles detailed loan program data from thousands of lenders, executing swift and tailored comparisons with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Garden-City county, located in Ada, ID, provides insights into the highest allowable loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a thorough comparison of eligibility and qualification criteria such as income, reserves, and credit status, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™). This advanced tool assists in making well-informed financial decisions with confidence.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $415,150 | $531,450 | $642,400 | $798,350 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $332,100 | $332,100 | $332,100 | $332,100 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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