USDA Loans in Idaho

USDA LOAN BENEFITS IN IDAHO
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.

If the home you purchase has a well, and not city water USDA has stipulated that the local health authority or a state-certified laboratory must perform a water quality analysis and that the results must “meet” or “exceed” the EPA minimum thresholds for lead, nitrates, nitrites, and coliform.  The written results must state that the four tests were conducted, list the results, and show that they exceed the established thresholds.  Properties that require a water treatment system for the well water to meet the minimum potability standards are not considered eligible.

USDA LOAN ELIGIBILITY IN ALASKA
USDA Loans are available to many of Idaho’s residents. While a city like Boise would not qualify for a USDA Loan, many of Boise’s suburbs would qualify. In fact, 95% of Idaho would be eligible for a mortgage through the USDA Loan Program. To see if your home qualifies, please apply and one of our certified USDA Loan agents will take care of the rest.

To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in Idaho.

Income Limits for USDA Loans in Idaho

County Name Family Size 1 -4 Family Size 5 – 8
Ada $78,200 $103,200
Adams $78,200 $103,200
Bannock $78,200 $103,200
Bear Lake $78,200 $103,200
Benewah $78,200 $103,200
Bingham $78,200 $103,200
Blaine $92,700 $122,350
Boise $78,200 $103,200
Bonner $78,200 $103,200
Bonneville $78,200 $103,200
Boundary $78,200 $103,200
Butte $78,200 $103,200
Camas $78,200 $103,200
Canyon $78,200 $103,200
Caribou $78,200 $103,200
Cassia $78,200 $103,200
Clark $78,200 $103,200
Clearwater $78,200 $103,200
Custer $78,200 $103,200
Elmore $78,200 $103,200
Franklin $80,200 $105,850
Fremont $78,200 $103,200
Gem $78,200 $103,200
Gooding $78,200 $103,200
Idaho $78,200 $103,200
Jefferson $7578,200650 $99103,200850
Jerome $78,200 $103,200
Kootenai $78,200 $103,200
Latah $78,200 $103,200
Lemhi $78,200 $103,200
Lewis $78,200 $103,200
Lincoln $78,200 $103,200
Madison $78,200 $103,200
Minidoka $78,200 $103,200
Nez Perce $78,200 $103,200
Oneida $78,200 $103,200
Owyhee $78,200 $103,200
Payette $78,200 $103,200
Power $78,200 $103,200
Shoshone $78,200 $103,200
Teton $78,200 $103,200
Twin Falls $78,200 $103,200
Valley $78,200 $103,200
Washington $78,200 $103,200

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