USDA and FHA Pro and Con in Moscow, Latah County, ID
As of 2026, the USDA loan limit for Moscow in the county of Latah, ID, is set at $356,300, while the FHA loan cap for a single-family residence is $472,030.
Leverage the Lendersa® USDA loan calculator to effectively compare today's top USDA versus FHA rates. This tool assists in determining the income, credit score, reserves, and necessary documentation for qualification. Utilizing our cutting-edge mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side by side, making it easier to select the ideal program for your financial circumstances in .
Loan Limits & Down Payment Requirements for 2026 in Moscow, Co. of Latah, ID
Loan Category
Cap Limit
Down Payment
USDA
$356,300
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Options in Moscow, ID
The ambition of Lendersa® is to provide you with the most beneficial USDA or FHA loan swiftly and easily. Begin by selecting one of three starting approaches to connect with lenders and explore USDA loan programs.
A USDA home loan, supported by the USDA Department of Agriculture, often called a USDA rural development loan or USDA mortgage, is exclusively available in rural neighborhoods. In contrast with FHA loans that require at least a 3.5% down payment, USDA loans necessitate no down payment.
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.
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.
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,
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.
Bankcda is your hometown bank. We are proud that decisions are made locally allowing us to deliver expertise and flexibility to our communities. We are your neighbors and are committed to the success of local businesses and families by delivering high-quality service and products.
