For 2025, within Payette, located in Payette county, ID, the USDA loan limit is $356,300, while the FHA limit for a single-family home stands at $472,030.
Exercise the Lendersa® USDA loan calculator to compare today's USDA versus FHA top rates, and see which income, credit, reserves, and documentation are required for qualification. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side to assist you in picking the most suitable program for your financial situation in
Review loan proposals from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $356,300 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to quickly providing you with the most beneficial USDA or FHA loan without hassle. Begin with one of three pathways to connect with suitable lenders and USDA loan schemes.
A USDA home loan, guaranteed by the Department of Agriculture, commonly known as a USDA rural development loan or mortgage, is strictly available in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans require no down payment, making them attractive.
Enter your location to find out if it qualifies for USDA rural housing loan?
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