Built for buyers who need a lower down payment and flexible credit.

FHA Loans Idaho | 3.5% Down Payment | Jesse Stroup

FHA loans in Idaho with 3.5% down. Credit scores from 580+. Shop rates from 30+ lenders with independent broker Jesse Stroup. NMLS 6229.

Built for buyers who need a lower down payment and flexible credit.

Government-backed financing with room to breathe.

What lenders look for on FHA files.

Why FHA works for Idaho buyers.

Common FHA questions.

Ready to apply for your FHA loan?

FHA Loans · Purchase

FHA loans are government-insured mortgages designed for first-time buyers, families rebuilding credit, and anyone who wants to buy a primary home in Idaho with as little as 3.5% down.

At a glance

Down payment

3.5%

Credit score

580+

Gift funds

100%

2026 limit

$1.25M

Overview

FHA loans are insured by the Federal Housing Administration, which lets lenders offer more flexible terms. You get a lower barrier to entry without giving up fixed rates or a standard 30-year term — and you do not have to be a first-time buyer.

Eligibility

Requirements are more flexible than conventional loans, but you still need stable income, acceptable credit, and a property that meets FHA standards.

Example: $350k home

$12,250 down

Upfront MI

1.75%

Annual MI

0.55–1.05%

Benefits

FAQ

Start online in minutes. Jesse will walk you through pre-approval and keep you updated from application to keys.

No obligation · Same-day pre-approval · NMLS

Independent mortgage broker in Boise. FHA, VA, Conventional, and Jumbo programs — one person on the phone from hello to funded.

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License

NMLS

Co. NMLS

Idaho Mortgage Broker

Home Loans of Idaho

108 N Washington Ave

Emmett, ID 83617

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