VA loans in Boise.
The Ada County figure on this page is a county reference only, not an address-based lookup for Boise. Confirm the property's county, and which local offices serve the address, before relying on it.
Ada County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Ada County (FIPS 16001)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Ada County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Boise. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionBoise homeowners may do their own work, but trade work needs licensed pros
The City of Boise's Homeowner's Guide says owners may work on their primary residence without registering as a contractor, but must obtain the permit and do the work themselves. Anyone else doing electrical, plumbing or mechanical work must be a State of Idaho registered and licensed contractor in that trade.
The guide lists work needing trade permits: changing any part of a heating or cooling system, installing a wood stove or gas fireplace, adding outlets or switches, replacing a fuse box, installing fixtures or a water heater, and replumbing. Practical step: ask whether trade permits cover recent upgrades in a Boise home. The City says permits create a permanent record of the work and inspections.
Ada County homestead exemption: apply by the last business day in December
The Ada County Assessor says an owner-occupied primary residence and up to one acre of land can have 50% of assessed value exempted, up to $125,000. Owners must own and occupy the home, and apply, by the close of the last county business day in December for the current tax year.
Applicants provide name, date of birth, current and previous address, and an Idaho driver's license or ID number. New residents without one must provide it within 90 days, and the ID requirement is waived for the first application by owners on active military service. Practical step: apply after closing in Boise. Once approved, the exemption stays in place; the Assessor's office is at 190 E Front Street, Suite 107.
- FHFA — Conforming loan limit values
- City of Boise — Homeowner's Guide to Residential Construction
- Ada County Assessor — Homeowner's Tax Relief
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in ID.
$0 down in Boise. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of ID veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Boise, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Boise purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Boise — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Boise is Ada County (FIPS 16001), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Boise with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Boise — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.