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USDA Section 502 Guaranteed Loan

USDA Section 502 Guaranteed Loan is a usda-guaranteed first mortgage via approved lenders from USDA Rural Development - Idaho. Coverage: USDA-eligible rural Idaho areas (most counties outside Boise/Nampa core). First-time buyer status is not required. Income limit: Up to the 115% moderate-income limit; FY2026 standard $122,800 for 1-4 persons, $162,100 for 5-8, higher in higher-cost counties (HB-1-3555 Appendix 5, PN 657, effective 07-13-2026).

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

Coverage: USDA-eligible rural Idaho areas (most counties outside Boise/Nampa core).

First-time buyerNot required
Income limitUp to the 115% moderate-income limit; FY2026 standard $122,800 for 1-4 persons, $162,100 for 5-8, higher in higher-cost counties (HB-1-3555 Appendix 5, PN 657, effective 07-13-2026)
Minimum credit score580
OccupationsOpen to all
Sales price capNo fixed price cap; bound by appraisal/loan limits
Amount notes100% financing (no down payment)
NotesCombinable with IHFA DPA.
Phone208-378-5600
Source USDA Rural Development - Idaho·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 · program details at the provider’s site.

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