For 2026, in the county of Shelley, part of Bingham, ID, FHA loan limits stand at $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three units, and $907,900 for complexes with four units.
Meanwhile, the top loan amount for conventional loans on a single-family dwelling is $726,200. For two-unit premises, it is $929,850, climbing to $1,123,900 for three units, and reaching $1,396,800 for four units.
Leverage our FHA calculator to discover the best FHA rates available today. It helps identify the necessary downpayment, income, credit score, reserves, and documents required for qualification.
With the Lendersa® calculator, you can easily match FHA loan rates and terms against those offered by other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from numerous lenders and rapidly aligns it to your personal financial situation, offering a tailored comparison.
The Loan Limits Comparison Table for 2026 in Shelley, Bingham, ID highlights maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification details like income, reserves, and credit with 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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