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USDA Section 502 Direct Loan

USDA Section 502 Direct Loan is a 100% ltv direct first mortgage with payment subsidy from USDA Rural Development - Idaho State Office. Coverage: USDA-designated rural Idaho areas (populations under 20k); covers most rural counties. First-time buyer status is not required. Income limit: Low to very-low income (50-80% AMI; lower-income tiers).

Amount varies by program
Listed as open as of May 26, 2026

Coverage: USDA-designated rural Idaho areas (populations under 20k); covers most rural counties.

First-time buyerNot required
Income limitLow to very-low income (50-80% AMI; lower-income tiers)
Minimum credit score640
OccupationsOpen to all
Sales price capArea loan limit
Amount notes100% financing; payment-assistance subsidy reduces effective rate to as low as 1%
NotesHeavily used across rural Idaho. Apply directly to USDA RD.
Phone208-378-5600
Source USDA Rural Development - Idaho State Office·official program page·Listed
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: USDA Rural Development - Idaho State Office · program details at the provider’s site.

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