As of 2026, the FHA loan limits for Meridian county within Ada, ID, are structured as follows: $586,500 for a single-family home, $750,800 for two-unit residences, $907,550 for three-unit buildings, and $1,127,900 for four-unit properties.
On the other hand, conventional loan amounts top out at $726,200 for single-family homes, $929,850 for two-unit homes, $1,123,900 for those with three units, and $1,396,800 for four-unit homes.
Our FHA calculator can assist in locating today's most competitive FHA rates, allowing you to assess the necessary down payment, income, credit standing, reserve funds, and documentation needed for qualification.
The Lendersa® tool allows straightforward comparison of FHA rates and terms alongside those of other loan programs. You might consider options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans when comparing with FHA.
Lendersa® compiles data from thousands of lenders, facilitating prompt comparisons aligned with your specific financial profile and needs.
For 2026, the Loan Limits Comparison Table for Meridian county within Ada, ID provides a detailed view of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM Reverse Mortgage, and hard money loans. For an in-depth comparison of qualification criteria such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $586,500 | $750,800 | $907,550 | $1,127,900 |
| 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 | $415,100 | $415,100 | $415,100 | $415,100 |
| 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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