Current FHA Mortgage Rates in ID - Idaho FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Idaho Mortgages

2022 FHA Loan Limits for Idaho

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2022 FHA loan limits for each county in Idaho are below.

County Name One Family Two Family Three Family Four Family
Ada One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Adams One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bannock One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bear Lake One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Benewah One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bingham One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Blaine One Family$648,600 Two Family$830,300 Three Family$1,003,650 Four Family$1,247,300
Boise One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Bonner One Family$427,800 Two Family$547,650 Three Family$662,000 Four Family$822,700
Bonneville One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Boundary One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Butte One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Camas One Family$648,600 Two Family$830,300 Three Family$1,003,650 Four Family$1,247,300
Canyon One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Caribou One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cassia One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clark One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clearwater One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Custer One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Elmore One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Franklin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fremont One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gem One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Gooding One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Idaho One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jefferson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jerome One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kootenai One Family$483,000 Two Family$618,300 Three Family$747,400 Four Family$928,850
Latah One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lemhi One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lewis One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lincoln One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Madison One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Minidoka One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Nez Perce One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Oneida One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Owyhee One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Payette One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Power One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Shoshone One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Teton One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Twin Falls One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Valley One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Washington One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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