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 | $86,850 | $114,650 |
| Bear Lake County, ID | $86,850 | $114,650 |
| Benewah County, ID | $86,850 | $114,650 |
| Bingham County, ID | $86,850 | $114,650 |
| Blaine County, ID | $92,700 | $122,350 |
| Boise City, ID HUD Metro FMR Area | $86,850 | $114,650 |
| Bonner County, ID | $86,850 | $114,650 |
| Boundary County, ID | $86,850 | $114,650 |
| Butte County, ID HUD Metro FMR Area | $86,850 | $114,650 |
| Camas County, ID | $86,850 | $114,650 |
| Caribou County, ID | $86,850 | $114,650 |
| Cassia County, ID | $86,850 | $114,650 |
| Clark County, ID | $86,850 | $114,650 |
| Clearwater County, ID | $86,850 | $114,650 |
| Coeur d'Alene, ID MSA | $86,850 | $114,650 |
| Custer County, ID | $86,850 | $114,650 |
| Elmore County, ID | $86,850 | $114,650 |
| Fremont County, ID | $86,850 | $114,650 |
| Gem County, ID HUD Metro FMR Area | $86,850 | $114,650 |
| Gooding County, ID | $86,850 | $114,650 |
| Idaho County, ID | $86,850 | $114,650 |
| Idaho Falls, ID HUD Metro FMR Area | $86,850 | $114,650 |
| Jerome County, ID | $86,850 | $114,650 |
| Latah County, ID | $86,850 | $114,650 |
| Lemhi County, ID | $86,850 | $114,650 |
| Lewis County, ID | $86,850 | $114,650 |
| Lewiston, ID-WA MSA | $86,850 | $114,650 |
| Lincoln County, ID | $86,850 | $114,650 |
| Logan, UT-ID MSA | $86,850 | $114,650 |
| Madison County, ID | $86,850 | $114,650 |
| Minidoka County, ID | $86,850 | $114,650 |
| Oneida County, ID | $86,850 | $114,650 |
| Payette County, ID | $86,850 | $114,650 |
| Pocatello, ID MSA | $86,850 | $114,650 |
| Power County, ID | $86,850 | $114,650 |
| Shoshone County, ID | $86,850 | $114,650 |
| Teton County, ID | $86,850 | $114,650 |
| Twin Falls County, ID | $86,850 | $114,650 |
| Valley County, ID | $86,850 | $114,650 |
| Washington County, ID | $86,850 | $114,650 |
