What are FHA Loan Limits in Idaho?

FHA loans are a low down payment mortgage program and Idaho FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Idaho are set at the floor amount of $275,665 across almost the entire state, although certain areas allow much higher.

Idaho FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADABOISE CITY, ID$366,850$469,600$567,650$705,500
ADAMSNON-METRO$331,760$424,800$513,450$638,100
BANNOCKPOCATELLO, ID$331,760$424,800$513,450$638,100
BEAR LAKENON-METRO$331,760$424,800$513,450$638,100
BENEWAHNON-METRO$331,760$424,800$513,450$638,100
BINGHAMBLACKFOOT, ID$331,760$424,800$513,450$638,100
BLAINEHAILEY, ID$646,300$827,400$1,000,100$1,242,900
BOISEBOISE CITY, ID$366,850$469,600$567,650$705,500
BONNERSANDPOINT, ID$331,760$424,800$513,450$638,100
BONNEVILLEIDAHO FALLS, ID$331,760$424,800$513,450$638,100
BOUNDARYNON-METRO$331,760$424,800$513,450$638,100
BUTTEIDAHO FALLS, ID$331,760$424,800$513,450$638,100
CAMASHAILEY, ID$646,300$827,400$1,000,100$1,242,900
CANYONBOISE CITY, ID$366,850$469,600$567,650$705,500
CARIBOUNON-METRO$331,760$424,800$513,450$638,100
CASSIABURLEY, ID$331,760$424,800$513,450$638,100
CLARKNON-METRO$331,760$424,800$513,450$638,100
CLEARWATERNON-METRO$331,760$424,800$513,450$638,100
CUSTERNON-METRO$331,760$424,800$513,450$638,100
ELMOREMOUNTAIN HOME, ID$331,760$424,800$513,450$638,100
FRANKLINLOGAN, UT-ID$331,760$424,800$513,450$638,100
FREMONTREXBURG, ID$331,760$424,800$513,450$638,100
GEMBOISE CITY, ID$366,850$469,600$567,650$705,500
GOODINGNON-METRO$331,760$424,800$513,450$638,100
IDAHONON-METRO$331,760$424,800$513,450$638,100
JEFFERSONIDAHO FALLS, ID$331,760$424,800$513,450$638,100
JEROMETWIN FALLS, ID$331,760$424,800$513,450$638,100
KOOTENAICOEUR D'ALENE, ID$335,800$429,850$519,600$645,750
LATAHMOSCOW, ID$331,760$424,800$513,450$638,100
LEMHINON-METRO$331,760$424,800$513,450$638,100
LEWISNON-METRO$331,760$424,800$513,450$638,100
LINCOLNNON-METRO$331,760$424,800$513,450$638,100
MADISONREXBURG, ID$331,760$424,800$513,450$638,100
MINIDOKABURLEY, ID$331,760$424,800$513,450$638,100
NEZ PERCELEWISTON, ID-WA$331,760$424,800$513,450$638,100
ONEIDANON-METRO$331,760$424,800$513,450$638,100
OWYHEEBOISE CITY, ID$366,850$469,600$567,650$705,500
PAYETTEONTARIO, OR-ID$331,760$424,800$513,450$638,100
POWERPOCATELLO, ID$331,760$424,800$513,450$638,100
SHOSHONENON-METRO$331,760$424,800$513,450$638,100
TETONJACKSON, WY-ID$765,600$980,325$1,184,925$1,472,550
TWIN FALLSTWIN FALLS, ID$331,760$424,800$513,450$638,100
VALLEYNON-METRO$331,760$424,800$513,450$638,100
WASHINGTONNON-METRO$331,760$424,800$513,450$638,100

Idaho FHA loan limits can change at any time. Check back often to ensure accurate information.

How are Idaho FHA Limits Set?

Idaho FHA Loan LimitsMortgage limits for Idaho FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

ID FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in ID is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in ID is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Idaho FHA loan limits are set at the nationwide floor amount in Boise, Meridian, Idaho Falls, Nampa, Pocatello, Caldwell and Twin Falls. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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