Conventional FP

Conventional loans use Fannie Mae or Freddie Mac underwriting guidelines. Unlike FHA loan limits, which can vary widely by County based on the area median income, Conventional minimum loan limits are set nationwide by Fannie Mae.

Conventional loan limits can be exceeded if you are buying a multi family home, or if you are buying in a high cost County. Conventional loans allow as little as a 3% to 5% down payment.

County1 UnitDuplexTriplexFourplex
ADA$424,100$543,000$656,350$815,650
ADAMS$424,100$543,000$656,350$815,650
BANNOCK$424,100$543,000$656,350$815,650
BEAR LAKE$424,100$543,000$656,350$815,650
BENEWAH$424,100$543,000$656,350$815,650
BINGHAM$424,100$543,000$656,350$815,650
BLAINE$625,500$800,775$967,950$1,202,925
BOISE$424,100$543,000$656,350$815,650
BONNER$424,100$543,000$656,350$815,650
BONNEVILLE$424,100$543,000$656,350$815,650
BOUNDARY$424,100$543,000$656,350$815,650
BUTTE$424,100$543,000$656,350$815,650
CAMAS$625,500$800,775$967,950$1,202,925
CANYON$424,100$543,000$656,350$815,650
CARIBOU$424,100$543,000$656,350$815,650
CASSIA$424,100$543,000$656,350$815,650
CLARK$424,100$543,000$656,350$815,650
CLEARWATER$424,100$543,000$656,350$815,650
CUSTER$424,100$543,000$656,350$815,650
ELMORE$424,100$543,000$656,350$815,650
FRANKLIN$424,100$543,000$656,350$815,650
FREMONT$424,100$543,000$656,350$815,650
GEM$424,100$543,000$656,350$815,650
GOODING$424,100$543,000$656,350$815,650
IDAHO$424,100$543,000$656,350$815,650
JEFFERSON$424,100$543,000$656,350$815,650
JEROME$424,100$543,000$656,350$815,650
KOOTENAI$424,100$543,000$656,350$815,650
LATAH$424,100$543,000$656,350$815,650
LEMHI$424,100$543,000$656,350$815,650
LEWIS$424,100$543,000$656,350$815,650
LINCOLN$625,500$800,775$967,950$1,202,925
MADISON$424,100$543,000$656,350$815,650
MINIDOKA$424,100$543,000$656,350$815,650
NEZ PERCE$424,100$543,000$656,350$815,650
ONEIDA$424,100$543,000$656,350$815,650
OWYHEE$424,100$543,000$656,350$815,650
PAYETTE$424,100$543,000$656,350$815,650
POWER$424,100$543,000$656,350$815,650
SHOSHONE$424,100$543,000$656,350$815,650
TETON$636,150$814,500$984,525$1,223,475
TWIN FALLS$424,100$543,000$656,350$815,650
VALLEY$424,100$543,000$656,350$815,650
WASHINGTON$424,100$543,000$656,350$815,650

Idaho Conventional Loan Limits by County

Fannie Mae and Freddie Mac

Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.

Conventional loan limits can be higher than the conforming loan limit in high cost Counties.  High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.

Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.

You can find FHA and VA Loan limits here.

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Idaho Conventional Loan Limits by County

County1 Unit SFR2 Unit Duplex3 Unit Triplex4 Unit Fourplex
ADA$453,100$580,150$701,250$871,450
ADAMS$453,100$580,150$701,250$871,450
BANNOCK$453,100$580,150$701,250$871,450
BEAR LAKE$453,100$580,150$701,250$871,450
BENEWAH$453,100$580,150$701,250$871,450
BINGHAM$453,100$580,150$701,250$871,450
BLAINE$625,500$800,775$967,950$1,202,925
BOISE$453,100$580,150$701,250$871,450
BONNER$453,100$580,150$701,250$871,450
BONNEVILLE$453,100$580,150$701,250$871,450
BOUNDARY$453,100$580,150$701,250$871,450
BUTTE$453,100$580,150$701,250$871,450
CAMAS$625,500$800,775$967,950$1,202,925
CANYON$453,100$580,150$701,250$871,450
CARIBOU$453,100$580,150$701,250$871,450
CASSIA$453,100$580,150$701,250$871,450
CLARK$453,100$580,150$701,250$871,450
CLEARWATER$453,100$580,150$701,250$871,450
CUSTER$453,100$580,150$701,250$871,450
ELMORE$453,100$580,150$701,250$871,450
FRANKLIN$453,100$580,150$701,250$871,450
FREMONT$453,100$580,150$701,250$871,450
GEM$453,100$580,150$701,250$871,450
GOODING$453,100$580,150$701,250$871,450
IDAHO$453,100$580,150$701,250$871,450
JEFFERSON$453,100$580,150$701,250$871,450
JEROME$453,100$580,150$701,250$871,450
KOOTENAI$453,100$580,150$701,250$871,450
LATAH$453,100$580,150$701,250$871,450
LEMHI$453,100$580,150$701,250$871,450
LEWIS$453,100$580,150$701,250$871,450
LINCOLN$625,500$800,775$967,950$1,202,925
MADISON$453,100$580,150$701,250$871,450
MINIDOKA$453,100$580,150$701,250$871,450
NEZ PERCE$453,100$580,150$701,250$871,450
ONEIDA$453,100$580,150$701,250$871,450
OWYHEE$453,100$580,150$701,250$871,450
PAYETTE$453,100$580,150$701,250$871,450
POWER$453,100$580,150$701,250$871,450
SHOSHONE$453,100$580,150$701,250$871,450
TETON$679,650$870,225$1,051,875$1,307,175
TWIN FALLS$453,100$580,150$701,250$871,450
VALLEY$453,100$580,150$701,250$871,450
WASHINGTON$453,100$580,150$701,250$871,450
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