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$275,665$352,950$426,625$530,150
ADAMSNON-METRO$275,665$352,950$426,625$530,150
BANNOCKPOCATELLO, ID$275,665$352,950$426,625$530,150
BEAR LAKENON-METRO$275,665$352,950$426,625$530,150
BENEWAHNON-METRO$275,665$352,950$426,625$530,150
BINGHAMBLACKFOOT, ID$275,665$352,950$426,625$530,150
BLAINEHAILEY, ID$636,150$814,500$984,525$1,223,475
BOISEBOISE CITY, ID$275,665$352,950$426,625$530,150
BONNERSANDPOINT, ID$275,665$352,950$426,625$530,150
BONNEVILLEIDAHO FALLS, ID$275,665$352,950$426,625$530,150
BOUNDARYNON-METRO$275,665$352,950$426,625$530,150
BUTTEIDAHO FALLS, ID$275,665$352,950$426,625$530,150
CAMASHAILEY, ID$636,150$814,500$984,525$1,223,475
CANYONBOISE CITY, ID$275,665$352,950$426,625$530,150
CARIBOUNON-METRO$275,665$352,950$426,625$530,150
CASSIABURLEY, ID$275,665$352,950$426,625$530,150
CLARKNON-METRO$275,665$352,950$426,625$530,150
CLEARWATERNON-METRO$275,665$352,950$426,625$530,150
CUSTERNON-METRO$275,665$352,950$426,625$530,150
ELMOREMOUNTAIN HOME, ID$275,665$352,950$426,625$530,150
FRANKLINLOGAN, UT-ID$275,665$352,950$426,625$530,150
FREMONTREXBURG, ID$275,665$352,950$426,625$530,150
GEMBOISE CITY, ID$275,665$352,950$426,625$530,150
GOODINGNON-METRO$275,665$352,950$426,625$530,150
IDAHONON-METRO$275,665$352,950$426,625$530,150
JEFFERSONIDAHO FALLS, ID$275,665$352,950$426,625$530,150
JEROMETWIN FALLS, ID$275,665$352,950$426,625$530,150
KOOTENAICOEUR D'ALENE, ID$275,665$352,950$426,625$530,150
LATAHMOSCOW, ID$275,665$352,950$426,625$530,150
LEMHINON-METRO$275,665$352,950$426,625$530,150
LEWISNON-METRO$275,665$352,950$426,625$530,150
LINCOLNHAILEY, ID$636,150$814,500$984,525$1,223,475
MADISONREXBURG, ID$275,665$352,950$426,625$530,150
MINIDOKABURLEY, ID$275,665$352,950$426,625$530,150
NEZ PERCELEWISTON, ID-WA$275,665$352,950$426,625$530,150
ONEIDANON-METRO$275,665$352,950$426,625$530,150
OWYHEEBOISE CITY, ID$275,665$352,950$426,625$530,150
PAYETTEONTARIO, OR-ID$275,665$352,950$426,625$530,150
POWERNON-METRO$275,665$352,950$426,625$530,150
SHOSHONENON-METRO$275,665$352,950$426,625$530,150
TETONJACKSON, WY-ID$636,150$814,500$984,525$1,223,475
TWIN FALLSTWIN FALLS, ID$275,665$352,950$426,625$530,150
VALLEYNON-METRO$275,665$352,950$426,625$530,150
WASHINGTONNON-METRO$275,665$352,950$426,625$530,150

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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