For 2026, within Orofino county of Clearwater, ID, FHA loan limits are specified as: $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-unit structures, and $907,900 for four-unit buildings.
Concerning conventional loans, a single-family residence has a maximum of $726,200. For two units, it's $929,850, for three-unit setups $1,123,900, and for four-unit configurations, it tops at $1,396,800.
Utilize our FHA calculator to explore today's most appealing FHA rates, and to verify necessary downpayments, income levels, credit standings, reserves, and required documentation for qualification.
The Lendersa® calculator permits you to match FHA loan terms with those of other programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
A network of thousands of lenders supplies data for Lendersa®, enabling rapid comparison with your personal financial profile and requirements.
The 2026 Loan Limits Comparison Table for Orofino county in Clearwater, ID, provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard-money loans. To evaluate qualifications like income, reserves, and credit, refer to the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $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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