Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Idaho. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

Idaho Guaranteed USDA Loan Limits

Area
1-4 Person Households
5-8 Person Households
Adams County, ID$272,000$340,000
Bear Lake County, ID$272,000$340,000
Benewah County, ID$272,000$340,000
Bingham County, ID$272,000$340,000
Blaine County, ID$323,000$417,000
Boise City, ID HUD Metro FMR Area$272,000$340,000
Bonner County, ID$272,000$340,000
Boundary County, ID$272,000$340,000
Butte County, ID HUD Metro FMR Area$272,000$340,000
Camas County, ID$272,000$340,000
Caribou County, ID$272,000$340,000
Cassia County, ID$272,000$340,000
Clark County, ID$272,000$340,000
Clearwater County, ID$272,000$340,000
Coeur d'Alene, ID MSA$272,000$340,000
Custer County, ID$272,000$340,000
Elmore County, ID$272,000$340,000
Fremont County, ID$272,000$340,000
Gem County, ID HUD Metro FMR Area$272,000$340,000
Gooding County, ID$272,000$340,000
Idaho County, ID$272,000$340,000
Idaho Falls, ID HUD Metro FMR Area$272,000$340,000
Jerome County, ID$272,000$340,000
Latah County, ID$272,000$340,000
Lemhi County, ID$272,000$340,000
Lewis County, ID$272,000$340,000
Lewiston, ID-WA MSA$272,000$340,000
Lincoln County, ID$272,000$340,000
Logan, UT-ID MSA$272,000$357,000
Madison County, ID$272,000$340,000
Minidoka County, ID$272,000$340,000
Oneida County, ID$272,000$340,000
Payette County, ID$272,000$340,000
Pocatello, ID MSA$272,000$340,000
Power County, ID$272,000$340,000
Shoshone County, ID$272,000$340,000
Teton County, ID$272,000$340,000
Twin Falls County, ID$272,000$340,000
Valley County, ID$272,000$357,000
Washington County, ID$272,000$340,000
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