USDA and FHA Pro and Con in Lewiston, Nez Perce County, ID
In 2026, the USDA loan cap for Lewiston, situated in Nez Perce County, ID, is set at $356,300. Meanwhile, the FHA limit for a single-family home is $472,030.
Try the Lendersa® USDA loan calculator to evaluate today’s best USDA versus FHA rates. You'll gain insights into the necessary income, credit score, reserves, and documentation to qualify. Our sophisticated mortgage tool allows you to compare USDA, FHA, Conforming, and VA options side by side, helping you choose the optimal plan in for your financial needs.
2026 Loan Limits and Down Payment Needs in Lewiston, Nez Perce County, ID
Loan Category
Limit
Down Payment
USDA
$356,300
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Lewiston, ID
Lendersa® aims to facilitate your access to the most beneficial USDA or FHA loan quickly and smoothly. Choose from three initial steps to connect with the right lenders and USDA loan options.
The USDA home loan, supported by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans which require at least a 3.5% down payment, the USDA loan requires no down payment.
Come see why LCCU, Lewis Clark Credit Union, is a whole new financial experience. We offer progressive financial services, with hometown member support. We know you by name and are here to help you meet your financial goals. At LCCU, our focus really is your future.
Unlike banks, credit unions are not in business to make a profit.
Early in March, 1978, eight real estate brokers discussed a common concern, financing, at their weekly exchange breakfast meeting. The consensus was that the local banks and mortgage companies were not meeting the needs of the public. Processing of loans was taking too long; since “chain” banks had to send everything out of town for approval
P1FCU was organized by 12 employees of Potlatch Forests Inc. and the original organization certificate was issued by the Farm Credit Administration on April 29th, 1938. The first organizational meeting was held almost one month later on May 20th, 1938, where 9 board members were elected after being nominated by the first nominating committee.
Latah Credit Union provides competitive financial services to all who live, work, volunteer, worship, do business in, or go to school in Latah, Benewah, Kootenai, Boundary, Bonner, Shoshone, Nez Perce and Lewis Counties and to students enrolled in a unified program of study at the University of Idaho.
Freedom Northwest Credit Union was founded in 1963 by a dedicated group of volunteers, and we operated under the name Kamiah Community Credit Union until June 2016. From very humble beginnings, guided by the vision and strong leadership of committed volunteers, we have grown to serve 12,000 members with total assets of $426 million.
This credit union was organized on October 31, 1959, to promote thrift among its members & to accumulate a fund from these savings to make needed loans to members.
We started with a humble 33 members with a total of $173.00 in assets at that time. To date this credit union has over 2,000 members with assets size from $7,100,000 to over $8,000,
