FHA VS Conventional loan in Ames, Story County, Iowa
During 2026, 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.
2026 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. 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.
1619 Colonial Pkwy, Suite 201, Palatine, IL, 60067
The Resource Plus team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
State Bank of The Lakes offers banking solutions tailored to our customers, their needs, and our unique community. No matter what your financial need, we can help. But, we also go above and beyond basic banking solutions. We host financial education courses, hold community events and throw neighborhood cookouts.
Our mission is to protect customer deposits through safe and sound operations of the bank, to be leaders in supporting our community while providing an above average return on our stockholders' investments and providing our employees with an excellent opportunity for growth and advancement.
FSB of Forrest has been committed to the people, businesses & communities of Central Illinois. Since first days to the present, our motto is and has always been "a strong friend for your family," words we strive to live & work by every day. We offer our customers a welcoming, personalized experience from the time they step into one of our doors.
W188 S7820 Racine Av, Suite 100, Muskego, WI, 53150
A + Mortgage Services, Inc. we pride ourselves on offering each of our clients, world class, customer care. It is our commitment to deliver for you the best products available at the absolute lowest price in the market. We do this by our relentless, constant search for the lowest market price by selling our loans direct into the secondary market.
NuMark’s mission is to enrich the financial lives of our members. NuMark Credit Union offers a full menu of financial services from mortgage and auto loans to free checking accounts and business services. We remain dedicated to putting our members first, treating them like family and helping them do more with their money.
Lisle Savings Bank was originally chartered on July 19, 1917 as Sacramento Avenue Building & Loan Association. Our doors were opened at 2307 S. Sacramento Avenue in Chicago, Illinois. In that charter, our founding fathers opened the building & loan with the object of building and improving of homesteads and the accumulation of funds to loan among.
Fortune Mortgage Company is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual needs. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
Litchfield National Bank was organized in 1907 originally as a state bank known as First State & Savings Bank. On September 19, 1911, it was converted to a National Banking Association. Former bank presidents include M.M. Morrison, T.T. Lackey, Herb Herrick, Charles McBride and Leighton Wesley Cline.
800 E Northwest Hwy, Suite 718, Palatine, IL, 60074
Flagship Lending Inc and our experienced loan officers have helped numerous first-time home buyers, home-owners, and real estate partners to find the right mortgage products that fits in their individual needs. From FHA loan, conventional mortgage, to jumbo mortgage products or investment property loans.
