USDA VS FHA in Emmett, Gem County, ID

In 2024, USDA loan limit in Emmett, county of Gem, ID is $415,100 while FHA limit is $586,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in Emmett, county of Gem, ID

Loan Type Loan Limit Down payment
USDA $415,100 0%
FHA $586,500 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Emmett, ID

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Idaho?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • Green Country FCU Established in 1969 is a full-service credit union headquartered in Sand Springs. Green Country offers checking and savings accounts, credit cards, auto loans, mortgages, business accounts, and much more. Open to everyone in Creek, Okmulgee, Osage, Pawnee, Rogers, Tulsa and Wagoner Counties in Oklahoma
  • Minnesota Power Employees Credit Union
  • 30 West Superior Street, Suite 126, Duluth, MN, 55802
  • Minnesota Power Employees Credit Union (MPECU) is a member-owned, not-for-profit financial cooperative, whose primary mission is serving our member/owners. Minnesota Power Employees Credit Union was founded in 1933. During our first 61 years, we only served the employees and family members of Minnesota Power.
  • North Shore Bank of Commerce
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  • North Shore Bank is a locally-owned and managed, independent, community bank that has been operating in the Duluth area for over 100 years. We proudly offer a full array of traditional personal and business banking products, mortgage services, and a full selection of trust & investment services all handled by our experienced and professional staff.
  • Harbor Pointe Credit Union
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  • TxDot Credit Union has been open since 1971. TxDOT Credit Union is committed to providing a broad range of financial services to our members while maintaining a strong asset base. Services shall be provided on a personal level utilizing experience and all available resources. The credit union has assets totaling $17.77 Million.
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  • The ACU Credit Union was chartered on November 16, 1954. During our 60 years of service we have grown to over 1000 members with $6 million in assets. Our membership is made up of employees of Abilene Christian University and their immediate family members. “Once a member always a member” is still our motto.
  • First Financial Bankshares
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