USDA and FHA Pro and Con in Payette, Payette County, ID
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 .
Loan Limits and Down Payment Details for Payette, Payette, ID in 2025
Loan Type
Loan Limit
Down Payment
USDA
$356,300
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Payette, ID
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.
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