2026 loan limits in Latah County, Idaho
In Latah County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Latah County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Latah County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Latah County?
$541,287 for a one-unit home.
More for Latah County
Latah County property taxesFHA loan limits toolIdaho closing costsBovill 83806 market dataDeary 83823 market dataGenesee 83832 market dataHarvard 83834 market dataKendrick 83537 market dataMoscow 83843 market dataPotlatch 83855 market dataPrinceton 83857 market dataTroy 83871 market dataViola 83872 market data
2026 limits from HUD’s county files (Moscow, Id). Conforming limits are set by the Federal Housing Finance Agency.