No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!
Qualifying for a USDA loan in Idaho
My state-specific information
Eligibility Requirements – Idaho
There’s never been a better time to buy a house in Idaho. For a family of 1-4 in Idaho, the average household income limit is about $119,850, and can be as high as $164,750 for families of 5 or more. Curious to learn more? Feel free to contact one of our USDA loan specialists to get started.
The map below shows the areas of Idaho eligible for USDA loans. For more information on what properties qualify, head to the USDA property eligibility screen.
Idaho USDA Income Limits (Moderate Income – Guaranteed Loan)
Most areas of Idaho follow the standard USDA income limit. Select metro areas have slightly higher limits due to local housing costs.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Idaho Limit (Most Counties & MSAs) | $119,850 | $158,250 |
| Boise City, ID HUD Metro FMR Area | $123,050 | $162,450 |
| Logan, UT-ID MSA (Idaho Portion) | $124,350 | $164,150 |
| Teton County, ID | $124,800 | $164,750 |
USDA income limits in Idaho are based on total household income and household size. This includes income from all adult household members, not just the borrower.
If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your Idaho USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Idaho. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.
USDA income limits are based on total household income (all adult household members), not just the borrower.
USDA income limits in Idaho vary by county and household size. Most areas of the state follow the standard income limit, while certain metro areas such as Boise and parts of eastern Idaho have slightly higher limits.
Income limits are based on the total household income for all adult occupants who will live in the home not just the individuals listed on the loan application.
If you’re unsure which income limit applies to your county or whether your household income qualifies, complete a quick USDA prequalification and we’ll review your eligibility for you.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in Idaho.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Idaho USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Idaho
USDA Home Loan Features
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Apply today
Start your USDA Loan now! It only takes 30 seconds to see if you qualify.
New Applicants: For questions about a mortgage application currently in process, please reach out to your Mortgage Loan Officer. If you are not sure who your Mortgage Loan Officer is, please email our Mortgage Help Desk at mortgagehelpdesk@magnoliabank.com. Customer Feedback: For complaints or to provide feedback, please email complaints@magnoliabank.com.
This communication does not constitute a commitment to lend or the guarantee of a special interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval.
