In 2026, the USDA loan limit in Boise, situated in Ada County, ID, is set at $415,100. Meanwhile, the FHA cap for a single-family residence is $586,500.
Use the Lendersa® USDA loan calculator to compare today's most advantageous USDA and FHA rates. Determine what income, credit score, reserves, and documents are necessary for qualification. Our comprehensive mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which program in suits your financial needs best.
2026 Loan Limits and Downpayment Requirements in Boise, Ada County, ID
Loan Type
Loan Limit
Down Payment
USDA
$415,100
0%
FHA
$586,500
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Boise, ID
Lendersa®'s mission is to expedite your access to the ideal USDA or FHA loan, without stress. Choose one of three starting options to link with matching lenders and USDA loan offerings.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as a USDA Rural Development Loan. Offered in rural areas only, these loans require no down payment, unlike FHA loans, which require a minimum of 3.5% down payment. This unique aspect makes USDA loans an attractive choice for eligible buyers in rural communities, allowing them to purchase a home without the upfront cost that typically accompanies a mortgage.
Rainmaker Lending Capital will help you determine which financial product is the proper solution for your company's long term financial success. Once you have come to a decision to factor, your (RLC) Consultant will package the transaction in accordance with the lender's requirements.
We offer bridge and commercial loans in Southern Idaho, Boise, Twin Falls, Nampa, and the surrounding areas. We work with private money sources to bring borrowers and lenders together and help our clients secure funding for a wide range of real estate loan needs. Our in-house underwriting department streamlines loans.
Idaho Finance is a local company that offers installment loans for people with good, fair, and bad credit. We started our company as a legitimate installment loan company that would operate with fairness and honesty. We want to help people with bad credit get the help they need while building their credit.
At Big River Mortgage we take great pride in being “the one above”. We follow a boutique approach to residential lending that starkly stands out in an industry that is dominated by large, impersonal banks. Big River Mortgage takes great pride in the fact that we offer the very best industry personnel and technology available.
Founded in 1994 by brothers Daniel Prohaska & Thomas Prohaska, Idaho Trust Bank offers personal banking, private banking, and business banking, as well as personalized wealth management and investment management. Idaho Trust Bank specializes in delivering exceptional, relationship-based service with a solid commitment to responsiveness and action.
Northwest Bank is a privately held community bank focused on serving the specific needs of businesses in Washington, Oregon, Idaho and Utah. Our experienced bankers deliver customized financial solutions and exceptional customer service. We do that by getting to know you, your business and your aspirations, first.
At Health Care Idaho Credit Union, membership equals ownership. We are a non-profit organization committed to providing our members with the best personalized service possible. We offer low interest rates on loans, minimal account fees and all accounts are insured by NCUA.
Our mission is to provide excellence in personal financial services.
A10 Capital is a vertically integrated full-service direct non-recourse commercial real estate lender, serving direct borrowers and mortgage brokers nationwide. The firm focuses on financing $5 million to $50 million+ per property and portfolio loans up to $200 million. We originate non-recourse bridge and permanent loans to astute owners.
Idaho United Credit Union is a credit union with a "small town" feel. With two branches, Boise and Meridian, we have the opportunity to get to know our members and meet their needs. Visit our website, call or stop by for more information. It is our commitment to our members to keep fees and charges to a minimum.
800 West Main Street, Suite 1460, Boise, ID, 83702
Lends in Idaho
Mortgage Professionals of Sun Valley, your premier mortgage company in Boise, ID & the surrounding area. We provide a variety of mortgage services, including residential mortgage, commercial mortgage, home loans, jumbo loans, & refinance. We have the skill and experience necessary to serve as your full-service mortgage broker and mortgage lender.
