In 2026, the FHA loan limits for Hayden county, located within Kootenai, ID, are structured as follows: $572,700 for a single-family home, $733,150 for two-unit residences, $886,200 for properties comprising three units, and $1,101,350 for four-unit homes. These tiered limits are in place to accommodate the varying sizes and types of housing available in the area.
Conventional loans on a single-family property cap at $726,200. For two-unit buildings, the ceiling rises to $929,850, while it further increases to $1,123,900 for three-unit structures, reaching $1,396,800 for residences with four units. These limits provide structured financial boundaries to assist in your planning.
Utilize our FHA calculator to explore today's most favorable FHA rates and prepare by understanding required down payments, income thresholds, credit needs, reserves, and the documentation necessary to ensure qualification. This tool provides clarity and assistance in preparing for your financial future.
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The Lendersa® calculator aids in comparing FHA rates and terms with those from a variety of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, ensuring a well-rounded comparison of all your options.
This tool aggregates loan program data from a multitude of lenders, providing quick and precise comparisons aligned with your financial situation and goals.
The Loan Limits Comparison Table for 2026 in Hayden county, Kootenai, ID, details maximum loan amounts across different sectors such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM Reverse Mortgage, and hard money loans. Evaluate qualification criteria—including income, reserves, and credit—using the comprehensive Lendersa® Super Loan Integrated Qualifier (SLIQ™) for an informed and confident decision-making process.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $572,700 | $733,150 | $886,200 | $1,101,350 |
| 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 | $388,700 | $388,700 | $388,700 | $388,700 |
| 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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