For 2026, the USDA loan limit applicable in Coeur-d'Alene, Kootenai County, ID is $350,000, while the FHA limit for a single-family home is $388,700.
Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates today, and to determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding you in selecting the ideal program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $350,000 | 0% |
| FHA | $388,700 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to facilitate fast and hassle-free access to the best USDA or FHA loan options. Choose one of three pathways to find matching lenders and USDA loan offerings.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA Rural Development Loan, is exclusively available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, a USDA mortgage requires no down payment. This distinctive no-down-payment feature makes USDA loans a very attractive option for qualifying buyers in rural communities, eliminating the initial cost barrier commonly associated with home buying.
Enter your location to find out if it qualifies for USDA rural housing loan?
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