USDA Guaranteed Loans are the most popular rural development mortgage program in Idaho.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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Search USDA Direct Loan Limits (for low income applicants)

This approach means that the maximum loan limits for Guaranteed Loans are variable, with Idaho USDA income limits playing a major role.  Guaranteed Loan income limits across ID are listed below.

Idaho USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Adams County, ID$75,650$99,850
Bear Lake County, ID$75,650$99,850
Benewah County, ID$75,650$99,850
Bingham County, ID$75,650$99,850
Blaine County, ID$92,700$122,350
Boise City, ID HUD Metro FMR Area$75,650$99,850
Bonner County, ID$75,650$99,850
Boundary County, ID$75,650$99,850
Butte County, ID HUD Metro FMR Area$75,650$99,850
Camas County, ID$75,650$99,850
Caribou County, ID$75,650$99,850
Cassia County, ID$75,650$99,850
Clark County, ID$75,650$99,850
Clearwater County, ID$75,650$99,850
Coeur d'Alene, ID MSA$75,650$99,850
Custer County, ID$75,650$99,850
Elmore County, ID$75,650$99,850
Fremont County, ID$75,650$99,850
Gem County, ID HUD Metro FMR Area$75,650$99,850
Gooding County, ID$75,650$99,850
Idaho County, ID$75,650$99,850
Idaho Falls, ID HUD Metro FMR Area$75,650$99,850
Jerome County, ID$75,650$99,850
Latah County, ID$75,650$99,850
Lemhi County, ID$75,650$99,850
Lewis County, ID$75,650$99,850
Lewiston, ID-WA MSA$75,650$99,850
Lincoln County, ID$75,650$99,850
Logan, UT-ID MSA$76,500$101,000
Madison County, ID$75,650$99,850
Minidoka County, ID$75,650$99,850
Oneida County, ID$75,650$99,850
Payette County, ID$75,650$99,850
Pocatello, ID MSA$75,650$99,850
Power County, ID$75,650$99,850
Shoshone County, ID$75,650$99,850
Teton County, ID$75,650$99,850
Twin Falls County, ID$75,650$99,850
Valley County, ID$76,600$101,100
Washington County, ID$75,650$99,850
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