In 2025, the FHA loan limits for Middleton county, located in Canyon, ID, are defined as follows: $586,500 for a single-family home, which then increases to $750,800 for properties with two units, $907,550 for those with three units, and to $1,127,900 for four-unit buildings. This structured approach helps cater to different residential needs across the county.
For conventional loans, the maximum lending amount for a single-family residence is $726,200. For two-unit residences, this cap rises to $929,850, further extends to $1,123,900 for homes with three units, and reaches up to $1,396,800 for properties that contain four units. These limits provide a scalable solution based on property size and occupancy.
Our FHA calculator is here to assist you in identifying today’s prime FHA rates. Additionally, it guides you through determining the downpayment, necessary income, creditworthiness, reserve amounts, and documentation that are required for loan qualification. Utilizing this tool can streamline your financial assessment and application process effectively.
The Lendersa® calculator provides a highly efficient way to compare FHA rates and terms against those from an extensive collection of other loan programs. These include Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, giving you a broad spectrum of financial options to consider.
By sourcing comprehensive loan program data from thousands of lenders, Lendersa® quickly aligns this information with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2025 in Middleton county of Canyon, ID offers a detailed breakdown of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM Reverse Mortgage, and hard money loans. To conduct a thorough comparison of qualification requirements such as income, reserves, and credit status, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is available for comprehensive insights and guidance.
| 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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