Idaho FHA Loan Rates, Closing Costs & Stats

Idaho

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Idaho FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Idaho averaged -0.65% for the week of 2023-11-24, compared to the national average (all FHA variants) of 0% for the same period.

    Idaho's average FHA mortgage closing costs are $9,254.

    The average rate for the prior week (2023-11-17) was 6.64% and one month ago for the week of 2023-10-20, the average rate was 6.75%.

    The average rate one year ago was 5.98%.

    For refis of the same type during the week of 2023-11-24, the average rate was -1.54%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Idaho FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Idaho level.

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    QUICKEN LOANS, LLC 247 4.25% $12,629
    GUILD MORTGAGE COMPANY 231 4.87% $13,320
    IDAHO CENTRAL 212 4.67% $11,672
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 211 4.96% $14,324
    UNITED WHOLESALE MORTGAGE, LLC 178 4.65% $12,811
    Willamette Valley Bank 148 4.78% $14,591
    LOANDEPOT.COM, LLC 122 4.64% $13,461
    PREMIER MORTGAGE RESOURCES, L.L.C. 114 4.79% $15,927
    CANOPY MORTGAGE, LLC 113 5.12% $13,817
    MOVEMENT MORTGAGE, LLC 111 5.04% $12,915
    ACADEMY MORTGAGE CORPORATION 88 5.52% $14,719
    SUMMIT FUNDING, INC. 84 5.05% $13,593
    S1L, Inc. 83 4.99% $13,021
    FIRST COLONY MORTGAGE CORPORATION 81 4.80% $13,521
    Flagstar Bank, FSB 76 4.69% $11,926
    AXIA FINANCIAL, LLC 73 5.32% $11,559
    CALIBER HOME LOANS, INC. 71 4.61% $12,710
    MANN FINANCIAL INC. 68 4.98% $12,314
    CORNERSTONE HOME LENDING, INC. 65 5.20% $12,585
    Eagle Bank and Trust Company 57 4.82% $12,061
    FREEDOM MORTGAGE CORPORATION 53 4.63% $12,640
    FINANCE OF AMERICA MORTGAGE LLC 53 4.94% $13,680
    Mr. Cooper ( Nationstar Mortgage ) 48 4.36% $14,453
    Waterstone Mortgage Corporation 45 4.75% $14,967
    LAKEVIEW LOAN SERVICING, LLC 42 4.07% $8,830
    Gateway First Bank 42 4.66% $10,582
    PACIFIC RESIDENTIAL MORTGAGE, LLC 40 4.98% $14,375
    PRIMELENDING, A PLAINSCAPITAL COMPANY 39 5.18% $13,295
    PRIMARY RESIDENTIAL MORTGAGE, INC. 39 4.40% $16,558
    BROKER SOLUTIONS, INC. 38 4.86% $12,826
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 37 5.28% $16,177
    AMERISAVE MORTGAGE CORPORATION 36 4.66% $13,856
    PENNYMAC LOAN SERVICES, LLC 35 4.29% $12,747
    VAN DYK MORTGAGE CORPORATION 35 5.12% $7,787
    BAY EQUITY LLC 33 5.34% $11,931
    CROSSCOUNTRY MORTGAGE, LLC 33 5.66% $14,772
    AMERICAN PACIFIC MORTGAGE CORPORATION 32 5.32% $12,767
    Glacier Bank 31 4.80% $13,314
    HOMEBRIDGE FINANCIAL SERVICES, INC. 31 4.87% $11,894
    NFM, INC. 31 5.29% $11,926
    AMERICAN FINANCING CORPORATION 30 4.43% $11,799
    Carrington Mortgage Services, LLC 27 5.17% $14,097
    CHURCHILL MORTGAGE CORPORATION 26 4.64% $14,465
    AMCAP MORTGAGE, LTD. 24 5.68% $15,713
    CARDINAL FINANCIAL 22 4.23% $10,982
    Bank of Idaho 20 4.61% $11,274
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 18 4.96% $12,738
    VERITAS FUNDING, LLC 17 4.76% $15,519
    NEWREZ LLC 17 4.82% $10,909
    GUARANTEED RATE, INC. 16 4.92% $13,748
    Platinum Home Mortgage Corporation 16 5.09% $15,207
    MOUNTAIN AMERICA 15 4.66% $11,868
    D. L. Evans Bank 15 4.78% $12,189
    Nations Lending Corporation 14 5.17% $15,534
    EVERETT FINANCIAL, INC. 14 5.28% $7,806
    HOME POINT FINANCIAL CORPORATION 13 4.41% $12,378
    ADVANTAGE PLUS 12 4.74% $9,386
    LEADERONE FINANCIAL CORPORATION 12 4.63% $14,207
    LOANPAL, LLC 12 4.12% $14,906
    PLANET HOME LENDING, LLC 12 4.35% $10,705
    MUTUAL OF OMAHA MORTGAGE, INC. 12 4.57% $16,838
    Umpqua Bank 11 4.63% $13,173
    Equity Prime Mortgage LLC 11 5.45% $16,207
    CASTLE & COOKE MORTGAGE, LLC 11 4.66% $16,139
    CMG MORTGAGE, INC. 10 4.40% $15,505
    Paramount Residential Mortgage Group, Inc. 10 4.69% $12,358
    U.S. Bank 10 5.05% $10,696
    MID AMERICA MORTGAGE, INC. 10 4.71% $3,884
    Wallick & Volk, Inc. 9 5.58% $13,535
    RANLIFE, INC. 9 4.94% $12,529
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 9 4.40% $11,377
    First Federal Savings Bank of Twin Falls 8 5.16% $11,646
    TOP FLITE FINANCIAL, INC. 8 5.78% $14,445
    INTERCAP LENDING INC. 8 5.08% $13,346
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 8 4.92% $12,164
    TBI MORTGAGE COMPANY 7 4.52% $16,916
    HOMESIDE FINANCIAL, LLC 7 4.18% $13,834
    Ixonia Bank 7 5.45% $16,033
    Summit Mortgage Corporation 6 5.04% $16,666
    First Home Bank 6 3.54% $16,281
    LAND HOME FINANCIAL SERVICES, INC. 6 6.67% $13,687
    Washington Trust Bank 6 5.21% $11,934
    JPMorgan Chase Bank 6 4.65% $10,508
    GENEVA FINANCIAL, LLC 6 4.54% $13,023
    Bank of England 6 4.46% $16,906
    Sunflower Bank 6 5.12% $15,061
    MORTGAGE SOLUTIONS OF COLORADO, LLC 5 5.00% $9,949
    Banner Bank 5 3.80% $11,731
    Sierra Pacific Mortgage Company, Inc. 5 5.83% $12,539
    VILLAGE CAPITAL MORTGAGE 5 3.10% $5,290
    WESTMARK Credit Union 5 4.60% $5,113
    The Federal Savings Bank 5 5.35% $19,832
    ON Q FINANCIAL, INC. 5 5.43% $8,189
    ZILLOW HOME LOANS, LLC 5 3.85% $10,705
    First Guaranty Mortgage Corporation 5 3.98% $9,176
    PRIORITY HOME LENDING, LLC 4 5.28% $19,946
    JMJ FINANCIAL GROUP 4 5.22% $15,357
    T2 FINANCIAL LLC 4 5.28% $16,027
    CHERRY CREEK MORTGAGE, LLC 4 4.63% $6,443
    Wells Fargo Bank 4 4.94% $7,342
    EAGLE HOME MORTGAGE, LLC 4 5.78% $22,114
    SUN WEST MORTGAGE COMPANY, INC. 4 5.41% $13,150
    KeyBank 4 4.34% $8,963
    SECURITYNATIONAL MORTGAGE COMPANY 4 5.47% $15,083
    CITYWIDE HOME LOANS, LLC 4 4.38% $12,377
    Zions Bank 3 5.83% $11,885
    BELEM SERVICING LLC 3 5.29% $10,096
    CALCON MUTUAL MORTGAGE LLC 3 4.29% $19,322
    Century Mortgage Company DBA Century Lending Company 3 6.33% $8,602
    LADERA LENDING, INC. 3 5.50% $15,781
    Neighborhood Loans, Inc. 3 5.50% $11,559
    Northpointe Bank 3 4.08% $12,534
    PLAZA HOME MORTGAGE, INC. 2 5.13% $14,466
    1st Security Bank of Washington 2 6.06% $15,047
    DRAPER AND KRAMER MORTGAGE CORP. 2 5.00% $10,484
    SWBC MORTGAGE CORPORATION 2 4.56% $15,971
    Franklin Loan Corporation 2 5.00% $18,600
    LIBERTY HOME MORTGAGE CORPORATION 2 5.19% $15,670
    Florida Capital Bank 2 4.00% $13,912
    Network Funding, L.P. 2 5.69% $17,528
    M&T Bank 2 4.56% $9,540
    Lend Smart Mortgage, LLC 2 3.19% $9,967
    Commerce Home Mortgage, Inc. 2 5.50% $16,987
    SOUTHWEST STAGE FUNDING, LLC 2 3.38% $7,877
    AMERICAN FINANCIAL RESOURCES, INC. 2 4.81% $12,398
    Mortgage Research Center, LLC 2 5.44% $4,163
    Peoples Bank 2 4.31% $12,900
    NETWORK CAPITAL FUNDING CORPORATION 2 4.63% $8,238
    KELLER MORTGAGE, LLC 1 6.13% $17,381
    Hometown Lenders, Inc. 1 5.13% $9,121
    HomeStreet Bank 1 7.25% $9,080
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 2.25% $7,515
    SECURITY HOME MORTGAGE, LLC. 1 3.13% $10,469
    Flanagan State Bank 1 4.25% $18,295
    SIRVA MORTGAGE, INC. 1 3.63% $11,414
    Stride Bank 1 5.50% $10,764
    First Western Trust Bank 1 3.25% $9,999
    First Interstate Bank 1 4.25% $10,071
    FirstBank 1 2.75% $8,435
    DIRECTORS MORTGAGE, INC. 1 3.25% $8,653
    DIRECT MORTGAGE, CORP. 1 2.75% $10,800
    Texana Bank 1 4.88% $11,854
    CUSTOMER SERVICE MORTGAGE CORPORATION 1 5.25% $9,861
    TJC Mortgage, Inc. 1 3.75% $9,486
    CLEARPATH LENDING 1 2.99% $10,135
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 5.75% $11,060
    Citizens Bank 1 2.88% $8,680
    US MORTGAGE CORPORATION 1 5.50% $15,444
    Utah Mortgage Loan Corporation 1 6.25% $8,116
    CENTENNIAL LENDING, LLC 1 5.25% $9,609
    Cache Valley Bank 1 4.63% $13,425
    Victorian Finance, LLC 1 5.63% $18,244
    BNC National Bank 1 6.13% $10,443
    BKCO MORTGAGE, LLC 1 5.50% $14,596
    BECKAM FUNDING CORP. 1 3.75% $8,691
    Barrington Bank & Trust Company, N.A. 1 3.32% $7,581
    AmeriHome Mortgage Company, LLC 1 4.63% $10,977
    Wheatland Bank 1 5.50% $10,781
    Wyndham Capital Mortgage, Inc. 1 4.00% $18,440
    Alaska USA Federal Credit Union 1 4.88% $17,842
    BETTER MORTGAGE CORPORATION 1 4.63% $13,803
    NEW DAY FINANCIAL, LLC 1 5.49% $4,213
    NBKC BANK 1 3.75% $6,639
    NBH Bank 1 5.63% $6,248
    OCEANSIDE MORTGAGE COMPANY 1 2.99% $2,147
    OCMBC, INC. 1 5.25% $12,560
    NATIONS DIRECT MORTGAGE, LLC 1 2.99% $6,501
    MYCUMORTGAGE, LLC 1 3.38% $10,873
    PANORAMA MORTGAGE GROUP, LLC 1 5.63% $17,302
    Paramount Bank 1 5.75% $17,730
    PHH Mortgage Corporation 1 4.25% $4,568
    Plains Commerce Bank 1 6.75% $17,158
    MORTGAGE MANAGEMENT CONSULTANTS, INC. 1 6.88% $5,996
    Magnolia Bank 1 7.13% $14,735
    LOANLEADERS OF AMERICA, INC. 1 5.63% $14,394
    Prime Choice Funding Inc. 1 2.50% $12,429

    The top Idaho FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 247 FHA loans originated. Their average total fees are $12,629, which is $691 lower than the next largest lender, GUILD MORTGAGE COMPANY.

    The lowest fee Idaho FHA lenders (with over 10 loans originated) are MID AMERICA MORTGAGE, INC. ($3,884), VAN DYK MORTGAGE CORPORATION ($7,787), EVERETT FINANCIAL, INC. ($7,806), LAKEVIEW LOAN SERVICING, LLC ($8,830) and ADVANTAGE PLUS ($9,386).

    The lowest rate Idaho FHA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC (4.07%), LOANPAL, LLC (4.12%), CARDINAL FINANCIAL (4.23%), QUICKEN LOANS, LLC (4.25%) and PENNYMAC LOAN SERVICES, LLC (4.29%).

    Idaho FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    BOISE CITY, ID ADA 2022 $515,200 $659,550 $797,250 $990,800
    NON-METRO ADAMS 2022 $420,680 $538,650 $651,050 $809,150
    POCATELLO, ID BANNOCK 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BEAR LAKE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BENEWAH 2022 $420,680 $538,650 $651,050 $809,150
    BLACKFOOT, ID BINGHAM 2022 $420,680 $538,650 $651,050 $809,150
    HAILEY, ID BLAINE 2022 $648,600 $830,300 $1,003,650 $1,247,300
    BOISE CITY, ID BOISE 2022 $515,200 $659,550 $797,250 $990,800
    SANDPOINT, ID BONNER 2022 $427,800 $547,650 $662,000 $822,700
    IDAHO FALLS, ID BONNEVILLE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BOUNDARY 2022 $420,680 $538,650 $651,050 $809,150
    IDAHO FALLS, ID BUTTE 2022 $420,680 $538,650 $651,050 $809,150
    HAILEY, ID CAMAS 2022 $648,600 $830,300 $1,003,650 $1,247,300
    BOISE CITY, ID CANYON 2022 $515,200 $659,550 $797,250 $990,800
    NON-METRO CARIBOU 2022 $420,680 $538,650 $651,050 $809,150
    BURLEY, ID CASSIA 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO CLARK 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO CLEARWATER 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO CUSTER 2022 $420,680 $538,650 $651,050 $809,150
    MOUNTAIN HOME, ID ELMORE 2022 $420,680 $538,650 $651,050 $809,150
    LOGAN, UT-ID FRANKLIN 2022 $420,680 $538,650 $651,050 $809,150
    REXBURG, ID FREMONT 2022 $420,680 $538,650 $651,050 $809,150
    BOISE CITY, ID GEM 2022 $515,200 $659,550 $797,250 $990,800
    NON-METRO GOODING 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO IDAHO 2022 $420,680 $538,650 $651,050 $809,150
    IDAHO FALLS, ID JEFFERSON 2022 $420,680 $538,650 $651,050 $809,150
    TWIN FALLS, ID JEROME 2022 $420,680 $538,650 $651,050 $809,150
    COEUR D'ALENE, ID KOOTENAI 2022 $483,000 $618,300 $747,400 $928,850
    MOSCOW, ID LATAH 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO LEMHI 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO LEWIS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO LINCOLN 2022 $420,680 $538,650 $651,050 $809,150
    REXBURG, ID MADISON 2022 $420,680 $538,650 $651,050 $809,150
    BURLEY, ID MINIDOKA 2022 $420,680 $538,650 $651,050 $809,150
    LEWISTON, ID-WA NEZ PERCE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO ONEIDA 2022 $420,680 $538,650 $651,050 $809,150
    BOISE CITY, ID OWYHEE 2022 $515,200 $659,550 $797,250 $990,800
    ONTARIO, OR-ID PAYETTE 2022 $420,680 $538,650 $651,050 $809,150
    POCATELLO, ID POWER 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO SHOSHONE 2022 $420,680 $538,650 $651,050 $809,150
    JACKSON, WY-ID TETON 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    TWIN FALLS, ID TWIN FALLS 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO VALLEY 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WASHINGTON 2022 $420,680 $538,650 $651,050 $809,150
    BOISE CITY, ID ADA 2023 $586,500 $750,800 $907,550 $1,127,900
    NON-METRO ADAMS 2023 $472,030 $604,400 $730,525 $907,900
    POCATELLO, ID BANNOCK 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BEAR LAKE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BENEWAH 2023 $472,030 $604,400 $730,525 $907,900
    BLACKFOOT, ID BINGHAM 2023 $472,030 $604,400 $730,525 $907,900
    HAILEY, ID BLAINE 2023 $740,600 $948,100 $1,146,050 $1,424,250
    BOISE CITY, ID BOISE 2023 $586,500 $750,800 $907,550 $1,127,900
    SANDPOINT, ID BONNER 2023 $523,250 $669,850 $809,700 $1,006,250
    IDAHO FALLS, ID BONNEVILLE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BOUNDARY 2023 $472,030 $604,400 $730,525 $907,900
    IDAHO FALLS, ID BUTTE 2023 $472,030 $604,400 $730,525 $907,900
    HAILEY, ID CAMAS 2023 $740,600 $948,100 $1,146,050 $1,424,250
    BOISE CITY, ID CANYON 2023 $586,500 $750,800 $907,550 $1,127,900
    NON-METRO CARIBOU 2023 $472,030 $604,400 $730,525 $907,900
    BURLEY, ID CASSIA 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CLARK 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CLEARWATER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CUSTER 2023 $472,030 $604,400 $730,525 $907,900
    MOUNTAIN HOME, ID ELMORE 2023 $472,030 $604,400 $730,525 $907,900
    LOGAN, UT-ID FRANKLIN 2023 $492,200 $630,100 $761,650 $946,550
    REXBURG, ID FREMONT 2023 $472,030 $604,400 $730,525 $907,900
    BOISE CITY, ID GEM 2023 $586,500 $750,800 $907,550 $1,127,900
    NON-METRO GOODING 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO IDAHO 2023 $472,030 $604,400 $730,525 $907,900
    IDAHO FALLS, ID JEFFERSON 2023 $472,030 $604,400 $730,525 $907,900
    TWIN FALLS, ID JEROME 2023 $472,030 $604,400 $730,525 $907,900
    COEUR D'ALENE, ID KOOTENAI 2023 $572,700 $733,150 $886,200 $1,101,350
    MOSCOW, ID LATAH 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LEMHI 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LEWIS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LINCOLN 2023 $472,030 $604,400 $730,525 $907,900
    REXBURG, ID MADISON 2023 $472,030 $604,400 $730,525 $907,900
    BURLEY, ID MINIDOKA 2023 $472,030 $604,400 $730,525 $907,900
    LEWISTON, ID-WA NEZ PERCE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO ONEIDA 2023 $472,030 $604,400 $730,525 $907,900
    BOISE CITY, ID OWYHEE 2023 $586,500 $750,800 $907,550 $1,127,900
    ONTARIO, OR-ID PAYETTE 2023 $472,030 $604,400 $730,525 $907,900
    POCATELLO, ID POWER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SHOSHONE 2023 $472,030 $604,400 $730,525 $907,900
    JACKSON, WY-ID TETON 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    TWIN FALLS, ID TWIN FALLS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO VALLEY 2023 $573,850 $734,650 $888,000 $1,103,550
    NON-METRO WASHINGTON 2023 $472,030 $604,400 $730,525 $907,900

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).