USDA VS FHA in Sandpoint, Bonner County, ID

In 2025, USDA loan limit in Sandpoint, county of Bonner, ID is $356,300 while FHA limit is $523,250 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Sandpoint, county of Bonner, ID

Loan Type Loan Limit Down payment
USDA $356,300 0%
FHA $523,250 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Sandpoint, ID

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Idaho?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Option Financial, LLC
  • 6551 Harrison Ave, Cincinnati, OH, 45247
  • Option Financial is a Cincinnati based mortgage company providing home loans in Ohio, Indiana and Kentucky since 2005. Our mortgage professionals have dozens of years of combined experience in the real estate and mortgage industry with the talent for delivering positive results. We pride ourselves in offering the highest level of customer service.
  • Family Home Finance, LLC
  • 5752 Cheviot Rd, Cincinnati, OH, 45247
  • Family Home Finance is committed to offering only the highest quality professional service to our clients, realtors and associates. Over the years we have built a reputation of offering honest, ethical and thorough service to our clients. Our customers are always treated with respect, courtesy and professionalism throughout the loan process.
  • Next Generation Mortgage
  • 9360 N Sam Houston Pkwy E, Suite 700, Humble, TX, 77396
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Houston Home Loan Inc
  • 14215 Smith Rd., Humble, TX, 77396
  • Houston Home Loan, Inc., we deal with the ins and outs of loans every day. Most people only think about them a few times in their life when they need to refinance or purchase a home. Years of experience and know-how make us the most qualified professionals to handle your mortgage transaction.
  • Citizens Federal Savings and Loan Association
  • 110 North Main Street, Bellefontaine, OH, 43311
  • Established in 1885, Citizens Federal has been providing friendly and personal service to individuals and businesses for over 136 years. We take pride in our community and service to our customers. We provide a wide range of deposit accounts and lending products. Citizens Federal Savings and Loan Association serves customers in the state of Ohio.
  • Security America Mortgage, Inc.
  • 7514 Shadyvilla Ln, Houston, TX, 77055
  • Security America Mortgage specializes in Construction loans, VA loans, ITIN loans, Conventional loans, and FHA loans. Our motto is "serving those who served" because we have great love for our Veterans and country. Not many VA lenders specialize in the VA one time close construction loan. Let us help you with the home loan that's best for you and
  • Simplending Financial
  • Simplending Financial, 1727 Leilani Drive, Houston Texas, 7705, Houston, TX, 77055
  • Simplending Financial is a leader in the private lending space. We keep the process fast and simple, curating a top tier customer service experience. Simplending focuses on growing long-term relationships and conducting business as a partner. We share a vested interest- as your success is the foundation of our business.
  • Security America Mortgage, Inc.
  • 7514 Shadyvilla Ln, Suite A, Houston, TX, 77055
  • Security America Mortgage is not a government agency. This is a private website that is not affiliated with the U.S. government, U.S. Armed Forces, or Department of Veteran Affairs. U.S. government agencies have not reviewed this information. This site is not connected with any government agency.
  • Firefighters & Company Federal Credit Union
  • 338 South Patterson Boulevard, Dayton, OH, 45402
  • The Firefighters and Company Federal Credit Union was organized as the "Dayton (Ohio) Firemen Federal Credit Union" on the 4th day of June, 1935. The charter members-all fire department employees-applied for permission to organize and operate a Federal Credit Union. The Firefighters and Company Federal Credit Union is a community credit union.
  • CODE Credit Union
  • 355 W Monument Avenue, Dayton, OH, 45402
  • CODE Credit Union is a member-owned, cooperative financial institution that has been serving municipal employees and select companies and organizations since 1940. We continuously strive toward excellence by providing a comprehensive range of quality products and services to meet our members' financial needs.
  • Great Oak Funding
  • 120 West Second Street, Suite 1406, Dayton, OH, 45402
  • Great Oak Funding is a private lender focused on providing funding to help businesses grow and expand. Great Oak Funding provides capital through mezzanine financing to existing companies with a track record of revenue. Great Oak Funding’s management team has a history of working with distressed companies to provide guidance.
  • Firehouse Mortgage
  • 7702 FM 1960 East, Suite 202, Humble, TX, 77346
  • Firehouse Mortgage became a reality for Rachel and Aaron in 2018. They wanted to give their clients a better option for their home mortgage. After gaining valuable knowledge in the mortgage industry, they decided to start their own company. The Clarks treat every client like they are family and ensure they are happy with their home purchase.