Rural Housing Loans

How about some peace and quiet in the countryside? If your answer is yes, then a Rural Housing Loan from Idaho Central is right for you. With no down payment required and other great benefits, you’ll be breathing that fresh air in no time.

Mom and kids painting a picture while sitting on their lawn


You are looking to purchase a home in a rural community.

Get Out of Town With These Benefits

If you’re looking to live out of town then a Rural Housing Loan is the perfect fit. Even with low-to-moderate income, you can enjoy a great interest rate and purchase a home within eligible rural areas or communities. This loan is offered through USDA Rural Housing Services (RHS).

Term Options

30 Years

Down Payment


Eligible Properties

Purchase, Primary Residence

Purchase Your Home With Confidence

We want to help you through the loan process and get you resting comfortably in your home as soon as possible. Our highly trained, friendly staff understands the housing market where you want to live. After all, we live here, too. We’re available to help during extended hours and on Saturdays.

Fast, Local Decisions

  • Local underwriting
  • Fast approvals
  • Fast closing, usually within 30 days
  • Local servicing on most loans

Save Money

  • Low, affordable interest rates
  • No initial loan application fees
  • Low mortgage insurance premiums
  • No origination fee loan options
  • Extended rate lock options available from 90 to 360 days

How much will your monthly mortgage payment be? Use this calculator to figure out your monthly payment, including your mortgage’s principal and interest payments as well as insurance and taxes.

Personalized Rate Quote

Tailored to your unique circumstances, our personalized mortgage rate quote tool asks you a few questions about your current financial situation. Based on your answers you will be given a list of rates that fit your needs. Get your personalized mortgage rate today.

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How