USDA Loan Vs. FHA loan pro & con Boise, Ada County, ID

In 2025, 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.

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.

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Understanding USDA Loans in ID

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.

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(952) 208-6441 Lender's profile and map Reviews Toro Credit Union 8111 Lyndale Avenue South, Bloomington, MN, 55420 Toro Federal Employees Credit Union offers comprehensive financial services to Toro employees who live in the United States, as well as their immediate family members. Immediate family members include: spouses, children, stepchildren, parents, grandparents, grandchildren, brothers and sisters.
(612) 798-7100 Lender's profile and map Reviews My Credit Union 9550 Lyndale Avenue S, Minneapolis, MN, 55420 Established in 1957 by local educators, My Credit Union (formerly RBCU) is committed to improving the quality of its members lives by helping to educate them to make the best financial decisions, provide them with the best personal and remote access service, and strengthen the communities it serves by giving back both time and money.
(952) 465-1111 Lender's profile and map Reviews Superior Financing, Inc. 8053 East Bloomington Freeway, Suite 300, Bloomington, MN, 55420 Superior Financing, Inc. is a small independent brokerage firm with national investor alliances for favorable (enhanced) pricing. Superior Financing, Inc. utilizes state of the art industry leading software and technology for streamline applications, processing and underwriting for a smooth process and enjoyable experience.
(405) 755-1000 Lender's profile and map Reviews Quail Creek Bank, National Association 12201 North May Avenue, Oklahoma City, OK, 73120 Quail Creek Bank, is a community bank with local ownership. We have been serving the Oklahoma City metro and surrounding areas since 1974. While maintaining a single location. Up-to-date technology and services have allowed us to serve a greater population than walls can define..
(405) 608-4500 Lender's profile and map Reviews First Liberty Bank OKC and Norman 9601 N May Avenue, Oklahoma City, OK, 73120 As a young bank in Oklahoma established in October of 2006, we are committed to three great challenges: improving our customer's lives, creating a positive work environment, and fulfilling the need to contribute to a strong, vibrant community. There are plenty of banks in Oklahoma - even plenty in the country, but we strive to be more.
(405) 235-3030 Lender's profile and map Reviews WEOKIE Federal Credit Union PO Box 26090, Oklahoma City, OK, 73127 WEOKIE Federal Credit Union was first established in 1969 by the employees of the Western Electric Plant in Oklahoma City to provide financial services and security to workers and their families. Now, more than 50 years later, we’ve grown to become one of the largest financial institutions in Oklahoma.
(952) 736-1111 Lender's profile and map Reviews Distinctive Mortgages 13754 Frontier Ct, Suite 107, Burnsville, MN, 55337 Whether you are buying, selling, or refinancing, it is important to have an experienced mortgage professional to help you analyze your financing options, and make sure the closing goes smoothly. With our experience, and our rates and programs, you are sure to get the mortgage that is right for you.
(952) 445-9600 Lender's profile and map Reviews Mortgages By Noone, LLC 2508 Dana Drive, Burnsville, MN, 55337 Mortgages By Noone is committed to helping you find the right mortgage products for your needs including: FHA, VA and USDA. I understand that every borrower is different. I offer a variety of products to meet your individual requirements. I will make the process of securing a mortgage simple & straightforward by offering the latest financial tools
(952) 881-3630 Lender's profile and map Reviews Minnesota Financial Solutions, LLC 201 W. Burnsville Pkwy, Suite 110, Burnsville, MN, 55337 At Minnesota Financial Solutions, LLC our mission is to provide practical and affordable financial solutions to the Minnesota family and small business owner. We start by assessing your individual financial situation and apply areas of tax, investment, and debt to a strategy that makes sense for all the disciplines involved.
(405) 743-3328 Lender's profile and map Reviews Oklahoma Community Credit Union 311 E McElroy Road, Stillwater, OK, 74075 Oklahoma Community Credit Union is the only original Credit Union from Stillwater, OK. Oklahoma Community Credit Union was founded at Oklahoma State University in 1968. We have grown from a small room, open once a week in the Student Union, to two Stillwater locations and over 13, 000 members.
(763) 404-7600 Lender's profile and map Reviews Financial One Credit Union 843 40th Avenue NE, Columbia Heights, MN, 55421 Financial One Credit Union is a not-for-profit financial cooperative.We've been guiding our members to financial health since 1933. We listen to each member's life goals & provide financial solutions bringing value to their lives.Financial One Credit Union provides financial services to people who live, work, attend school, worship, or do business.
(479) 250-7257 Lender's profile and map Reviews NexGen Home Loans Inc 6009 N Meridian Pl, Oklahoma City, OK, 73122 NexGen Home Loans was created simply to bring something different to the mortgage industry. Mortgage customers for years have had to choose between low rates through an online digital platform with a lack of customer service or a local loan officer that can provide great service but at a higher cost.