In 2026, the FHA loan limits in Lincoln, which is part of Bonneville, ID, are $523,250 for a single-family home, increasing to $669,850 for two-unit residences, $809,700 for three units, and $1,006,250 for properties with four units.
As for conventional loans, the ceiling for a single-family property is $726,200. For two units, it is $929,850, for three units $1,123,900, and for four-unit dwellings, it is $1,396,800.
Make use of our FHA calculator to check today’s best rates, calculating necessary downpayment, income requirements, credit, reserves, and the documents required to qualify.
The Lendersa® calculator facilitates comparing FHA loan rates and terms against other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Drawing data from a network of thousands of lenders, Lendersa® quickly analyzes this against your personal financial profile and needs.
For 2026, the Loan Limits Comparison Table in Lincoln, Bonneville, ID assesses maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification criteria like income, reserves, and credit, turn to Lendersa®'s Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $523,250 | $669,850 | $809,700 | $1,006,250 |
| 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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