FHA VS Conventional loan programs in Ames, Story County, Iowa
During 2025, the conventional loan limit in Ames, located in Story county of IA, is defined as $726,200. Meanwhile, the FHA loan limit for a single-family home in the same area is $472,030. Knowing these figures is crucial for anyone considering buying a home, as they form the foundation of your financing plan and eligibility for different loan types.
Try out the Lendersa® Conventional loan calculator, an invaluable tool for comparing today's most favorable rates among Conventional, FHA, and USDA loans. This calculator not only helps to determine income requirements, credit standings, reserves, and necessary documents but also presents Conforming Conventional loans, USDA, FHA, and VA loans side by side. This view helps you decide which is the best program for your financial profile in IA.
2025 Loan Limits and Downpayment Requirements in Ames, Story, IA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The table above is applicable to these zip codes: 50014, 50012, 50011, 50010, 50013. Please consider these when planning your financial strategy.
Explore Conventional and FHA Loan Options in Ames, IA
The mission of Lendersa® is to ensure you access the best possible Conventional, USDA, or FHA loan swiftly and without difficulties. Begin by selecting one of three starting points, each leading to lenders with loan programs that align with your unique requirements.
Guardian Savings Bank is a leading home mortgage lender in the Cincinnati Tri-State area. We currently service over $3 billion in mortgage loans. We’re a trusted community banker. Chartered in 1895 with one branch in Cincinnati, Ohio, we’ve grown to 12, full-service branches in Cincinnati, Northern Kentucky and Lexington.
8857 Cincinnati Dayton Road, Suite 202, West Chester, OH, 45069
Lynx Financial Group was established in 2001 and has been helping homebuyers and homeowners ever since. We offer 1st Time Homebuyer Programs, FHA, VA, USDA and Commercial loans. Our staff has over 80 years of experience in the Mortgage Industry. This has allowed us to prosper while the industry as a whole has seen a downturn.
8859 Brookside Ave, Suite 202, West Chester, OH, 45069
As Mortgage Consultants we provde the customer with much more variety and flexability than traditional bankers or credit unions. We work with more than 20 different lenders providing us with hundreds of channel and programs to meet your needs. Similar how a independent insurance agent will shop you for the best policy, coverage and terms.
Our customers have inspired us since our humble beginnings and have allowed us to be their hometown bank for many generations. We look forward to continuing that relationship for many more generations to come. HFB employees are proud of their deep roots in the communities we serve and are excited about cultivating those relationships in the future.
American Bank & Trust We offer many home financing options, such as: conventional mortgage loans, VA mortgage loans, FHA mortgage loans, Rural Housing Development Loans, Construction loans and Home Equity Lines of Credit. To get started and apply online, visit our mortgage loans site.
Humbert Mortgage, Inc. is a family owned, local mortgage company with 30 years of experience. We look forward to helping your family find the perfect loan for your perfect home. We offer FHA loans, USDA loans, conventional mortgages, refinancing options and other programs to fit your needs. Don't worry about trying to find the best fit.
Our team continues to service the mortgage needs of clients throughout Memphis and the Mid-South and has become the #1 ranked purchase loan lender in Memphis. As one of the few privately held and locally owned mortgage lenders, all decisions and funding are handled in-house enabling us to provide clients with superior service and lower rates.
Universal 1 Credit Union was founded in 1937 in Dayton, Ohio. With 10 member centers in the greater Miami Valley, U1CU provides quality financial products and services to members all over the world. U1CU membership is open to all who live, work, worship, or go to school in one of the many communities that we serve.
Cincinnati Ohio Police Federal Credit Union is a not-for-profit, full-service financial institution serving Police Officers, Firefighters, Public School and Government employees. COPFCU was started on June 27, 1935 during the Great Depression to serve Cincinnati Police Officers and their families.
At i-bank. A bank that is independent minded and not afraid to do things a little differently. A bank focused on customer service and the unique needs of each individual who banks with us. A bank that genuinely cares for our customers and strives to help each of them reach their goals and their own financial independence.
