In 2025, the USDA loan ceiling in Emmett, located in Gem county, ID, is set at $415,100. Conversely, the FHA limit for a single-family residence is $586,500.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, and ascertain the income requirements, credit thresholds, reserves, and documentation needed for qualification. Our cutting-edge mortgage calculator allows you to juxtapose USDA, FHA, Conforming, and VA loans, aiding in selecting the ideal 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® is dedicated to providing you with the optimal USDA or FHA loan options swiftly and without inconvenience. Initiate one of three pathways that match you with appropriate lenders and USDA loan programs.
A USDA home loan is secured by the Department of Agriculture, widely referred to as a USDA rural development loan or mortgage, and is only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment, making them an appealing choice.
Enter your location to find out if it qualifies for USDA rural housing loan?
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