In the year 2025, the FHA loan limits applicable to Rathdrum county within Kootenai, ID have been established as follows: $572,700 for a single-family home, $733,150 for properties with two units, $886,200 for those featuring three units, and $1,101,350 for buildings comprising four units. These limits ensure adaptability based on the diverse housing types in the locality.
For conventional loans, the maximum permissible amounts are set as $726,200 for a single-family dwelling. This amount extends to $929,850 for properties with two units, reaches $1,123,900 for those accommodating three units, and peaks at $1,396,800 for four-unit properties. Such structuring aids prospective homeowners with varied property interests.
To access today's leading FHA rates and ascertain the essential criteria—be it downpayment, income requirements, credit evaluation, reserves, or necessary documentation—employ our FHA calculator. This tool simplifies navigation through financial planning by precisely outlining qualification prerequisites.
The Lendersa® calculator allows you to conduct a thorough comparison of FHA rates and terms against those of various other loan options. Explore choices that include Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, ensuring a comprehensive assessment of your financial opportunities.
By gathering loan data from a vast network of numerous lenders, Lendersa® facilitates rapid alignment of available options to match your distinctive financial profile and requirements.
The Loan Limits Comparison Table for 2025 in Rathdrum county of Kootenai, ID, puts into perspective the maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM Reverse Mortgage, and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to scrutinize qualification parameters, including income, reserves, and creditworthiness, effectively facilitating a well-informed decision-making process.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $572,700 | $733,150 | $886,200 | $1,101,350 |
| 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 | $388,700 | $388,700 | $388,700 | $388,700 |
| 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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