For 2026 in Gooding county, which is part of Gooding, ID, the FHA loan caps are set at $472,030 for single-family homes. For two-unit residences, the limit is $604,400, $730,525 for three-unit properties, and it goes up to $907,900 for buildings with four units.
The highest allowable loan for conventional loans on a single-family home is $726,200. For two-unit properties, it is $929,850, $1,123,900 for those with three units, and $1,396,800 for four units.
Use our FHA calculator to check today’s best available rates and calculate everything from downpayment amounts to income, credit score, reserves, and documents required to qualify.
The Lendersa® calculator allows an analysis of FHA rates and terms against those offered by other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
The system pulls in vast data from thousands of lenders, providing comparisons derived from your distinct financial profile and requirements.
The 2026 Loan Limits Comparison Table for Gooding county, part of Gooding, ID, features an overview of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To assess qualification standards such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $356,300 | $356,300 | $356,300 | $356,300 |
| 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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