For the year 2026, the FHA loan limit in McCall county, within Valley, ID, is established at $573,850 for a single-family home. For duplexes, the limit is $734,650, for triplexes it's $888,000, and for four-unit properties, it's set at $1,103,550.
As far as conventional loans are concerned, the cap for a single-family residence stands at $726,200. For two-unit homes, it escalates to $929,850, for three-unit properties it is $1,123,900, and for those with four units, the maximum is $1,396,800.
Take advantage of our FHA calculator to discover the most competitive FHA rates today, determining key factors like downpayment, income requirements, credit score, reserves, and necessary documentation for qualifying.
The Lendersa® calculator enables the comparison of FHA loan rates and terms with those of other programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates extensive data from thousands of lenders, efficiently matching it with your specific financial profiles and needs for effective comparisons.
The 2026 Loan Limits Comparison Table in McCall county, part of Valley, ID, allows for analysis of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly assess qualification elements like income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $573,850 | $734,650 | $888,000 | $1,103,550 |
| 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 | $379,500 | $379,500 | $379,500 | $379,500 |
| 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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