FHA VS Conventional loan programs in Ames, Story County, Iowa

In 2025, Convetional loan limit in Ames, county of Story, IA is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in IA is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Ames, county of Story, IA

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 50014, 50012, 50011, 50010, 50013

Conventional and FHA loan options in Ames, IA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • 260 Mortgage Team - Hallmark Home Mortgage
  • 7421 Coldwater Road Fort, Fort Wayne, IN, 46825
  • 260 Mortgage, a division of Hallmark Home Mortgage, is focused on providing the best customer experience in the Mortgage Lending industry. We accomplish this by providing industry-leading products from Hallmark Home Mortgage, as well as providing an unmatched level of transparency and customer communication.
  • 3Rivers Federal Credit Union
  • 1615 Northland Blvd, Fort Wayne, IN, 46825
  • On February 14, 1935, the International Harvester Company Fort Wayne Works Employees Federal Credit Union was organized. With assets of $250, we employed three individuals and were housed in the International Harvester Company office on Pontiac Street and Bueter Road. In 1947, the credit union reached $1 million in assets and continued to grow.
  • MidWest America Federal Credit Union
  • 1104 Medical Park Drive, Fort Wayne, IN, 46825
  • MidWest America provides the best financial services possible for our members through every stage of their life. We offer loans at competitive rates and have an assortment of savings and checking products available. MidWest America currently operates 17 full-service offices, with 13 in northeast Indiana; 2 in eastern Illinois
  • Hallmark Home Mortgage
  • 7421 Coldwater Road, Fort Wayne, IN, 46825
  • Hallmark Home Mortgage we have worked hard to recreate the sense of family, loyalty and mutual respect that we enjoyed at Waterfield. It translates into a pleasant experience for everyone who walks through our doors. From a friendly greeting to the superior customer service you receive throughout the loan process, Hallmark lives up to its name.
  • Kennett National Bank
  • 805 First Street, Kennett, MO, 63857
  • Founded September 7, 1963 as Kennett National Bank, Kennett Trust Bank is one of the oldest independently-owned and managed banks in the area, with 7,000 customers and over $110 million in assets. We actively support the community, donating funds and employee volunteer hours to many educational, hometown and family-related causes.
  • Fire Police City County Federal Credit Union
  • 3306 North Clinton Street, Fort Wayne, IN, 46805
  • Fire Police City County FCU operates as a not-for-profit financial institution, completely owned by its members. We are structured for the financial benefit of our members. Each member owns a portion of the Credit Union. Our employees are committed to putting forth the best service to help members succeed in their financial goals.
  • Aspen Mortgage
  • 2420 N Coliseum Blvd, Fort Wayne, IN, 46805
  • At Aspen Mortgage, we believe in honest and ethical service. We will offer you all of your options so that you can choose what type of mortgage will best suit your family's financial needs. We will stand behind our Loan Estimate and guaranty to you that what we have promised to you is exactly what we will deliver.
  • Marshall Community Credit Union
  • 839 West Green Street, Marshall, MI, 49068
  • MCCU was established in 1951 and is a full service financial institution proactively promoting the credit union philosophy of "people helping people." We provide high earnings on savings, low rates on loans, no annual fee credit cards, home financing -- the list of services is endless.
  • B & I Federal Credit Union
  • 740 North Marr Road, Columbus, IN, 47201
  • B & I Federal Credit Union offers a variety of services, including loans, share draft accounts, savings accounts, IRA accounts, and other services designed to provide convenient, fast access to your accounts. To make banking transactions more accessible, even when you are traveling out of state or out of the country
  • First Community Bank of the Heartland, Inc.
  • 114 E. Jackson Street, Clinton, KY, 42031
  • At First Community Bank, our roots run deep. Starting in 1936 as First National Bank in Clinton, KY, we formed strong ties to this small town along with many of the neighboring communities. The sound relationships that were formed in those early developmental years continue to be an important part of our success.