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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $415,100 | 0% |
| FHA | $586,500 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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