In the year 2026, the FHA loan limit for Idaho-Falls county, residing in Bonneville, ID, is set at $356,362 for single-family homes. This amount increases to $456,275 for two-unit dwellings, $551,500 for three-unit buildings, and $685,400 for properties with four units.
For conventional loans, the maximum allowable on a single-family house is $548,250. The cap for two-unit homes is $702,000, for three units it is $848,500, and for four-unit structures, it reaches $1,054,500.
Our FHA calculator is available to find today's best FHA rates and evaluate the necessary down payment, income requirements, credit status, reserve funds, and documentation for loan qualification.
The Lendersa® calculator empowers users to compare FHA rates and conditions with other loan offerings. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans as alternatives to FHA.
Lendersa® gathers loan program details from a vast array of lenders and quickly aligns it against your specific financial landscape and needs.
The Loan Limits Comparison Table for 2026 in Idaho-Falls county of Bonneville, ID provides a comprehensive analysis of maximum loan amounts for different categories such as FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM Reverse Mortgage, and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for detailed insights into qualification criteria like income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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