In 2025, the USDA loan limit in Idaho-Falls, within Bonneville County, ID, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
The Lendersa® USDA loan calculator allows for comparison of today's top USDA vs. FHA rates, helping you evaluate the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, aiding in choosing the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
At Lendersa®, the aim is to secure the best possible USDA or FHA loan with ease and speed. Choose one of three pathways to connect with matching lenders and USDA loan offerings.
The USDA home loan is a government-backed mortgage guaranteed by the Department of Agriculture, also referred to as a USDA Rural Development Loan. This type of loan is offered exclusively in rural areas and unlike FHA loans, which require a 3.5% down payment, USDA loans have no down payment requirement. This makes them an attractive option for those eligible, offering a pathway to homeownership without the initial cash outlay typically needed for buying a home.
Enter your location to find out if it qualifies for USDA rural housing loan?
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