In 2026, the USDA loan ceiling in Pocatello, in Bannock county, ID is $356,300, whereas the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates, and determine the necessary income, credit score, reserves, and documentation needed for eligibility. Our sophisticated mortgage calculator enables side-by-side comparisons of USDA, FHA, Conforming, and VA to aid you in choosing the best program for your financial scenario in
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| Loan Type | Loan Limit | Downpayment | |
| USDA | $356,300 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® strives to secure the best USDA or FHA loan quickly and smoothly. Choose from three pathways to connect with matching lenders and USDA programs.
A USDA home loan is a mortgage backed by the government through the Department of Agriculture, also referred to as a USDA rural development loan, limited to rural areas. In contrast to FHA loans that require at least a 3.5% down payment, a USDA mortgage demands no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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