Idaho Conforming Loan Limits 2022

An annually updated page showing Fannie Mae and Freddie Mac Conforming loan limits.

What is a Conforming Loan Limit?

Both Fannie Mae and Freddie Mac set limits on home loans that they will buy or guarantee. The Federal Housing Finance Agency (FHFA) publishes annual conforming loan limits that apply to all conventional mortgages delivered to Fannie Mae and Freddie Mac.

Have questions on the conforming loan limit?

Idaho 2022 Conforming Limits

Below you will find a table that is sorted alphabetically by Idaho county.

1-Unit – Likely a single-family home, these limits are for the majority of homes purchased in Idaho.

2-Unit – Commonly known as a duplex, if you are purchasing a property that has two units under a single structure, then follow the 2-unit loan limit column.

3-4 unit conforming limits are available upon request. 

A quick note about these Idaho conforming limits

These are conforming loan limits. You are able to purchase a property over these limits with a down payment. As an example and if you qualify, if your goal is to put 5% down on a property and that property is located in Boise County Idaho, you could purchase a property up to $681,263 and have a loan of $647,200 and still be considered conforming.

Idaho County 1 Unit 2 Units
Ada County $647,200 $828,700
Adams County $647,200 $828,700
Bannock County $647,200 $828,700
Bear Lake County $647,200 $828,700
Benewah County $647,200 $828,700
Bingham County $647,200 $828,700
Blaine County $647,200 $828,700
Boise County $647,200 $828,700
Bonner County $647,200 $828,700
Bonneville County $647,200 $828,700
Boundary County $647,200 $828,700
Butte County $647,200 $828,700
Camas County $648,600 $830,300
Canyon County $647,200 $828,700
Caribou County $647,200 $828,700
Cassia County $647,200 $828,700
Clark County $647,200 $828,700
Clearwater County $647,200 $828,700
Custer County $647,200 $828,700
Elmore County $647,200 $828,700
Franklin County $647,200 $828,700
Fremont County $647,200 $828,700
Gem County $647,200 $828,700
Gooding County $647,200 $828,700
Idaho County $647,200 $828,700
Jefferson County $647,200 $828,700
Jerome County $647,200 $828,700
Kootenai County $647,200 $828,700
Latah County $647,200 $828,700
Lemhi County $647,200 $828,700
Lewis County $647,200 $828,700
Lincoln County $647,200 $828,700
Madison County $647,200 $828,700
Minidoka County $647,200 $828,700
Nez Perce County $647,200 $828,700
Oneida County $647,200 $828,700
Owyhee County $647,200 $828,700
Payette County $647,200 $828,700
Power County $647,200 $828,700
Shoshone County $647,200 $828,700
Teton County $970,800 $1,243,050
Twin Falls County $647,200 $828,700
Valley County $647,200 $828,700
Washington County $647,200 $828,700

Over the Conforming Limit?

After your down payment budget, if your home purchase is over the conforming loan limit for your preferred Idaho county, consider talking to Kalab Stokes about his competitive Jumbo home loan options!

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