FHA VS Conventional loan programs in Cedar-Falls, Black Hawk County, Iowa
In 2026, the conventional loan limit in Cedar-Falls, which is part of Black Hawk county, IA, has been established at $647,200, whereas the FHA limit for a single-family home is set at $420,680. Understanding these figures is vital for homebuyers and investors as they plan and access financing options effectively.
Utilize the Lendersa® Conventional loan calculator to compare today's best rates across Conventional, FHA, and USDA loans. This tool assesses income, credit, reserves, and requisite documents for qualification. By using our advanced mortgage calculator, you can directly compare Conforming Conventional loans, USDA, FHA, and VA loans side by side, helping you decide which program in IA is most suitable for your financial profile.
2026 Loan Limits and Downpayment Requirements in Cedar-Falls, Black Hawk, IA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
The comparison table applies specifically to the following zip codes: 50613. Use this data to guide your financial decisions more effectively.
Conventional and FHA Loan Options in Cedar-Falls, IA
The goal of Lendersa® is to ensure you access the best possible Conventional, USDA, or FHA loans quickly and hassle-free. Begin by choosing one of three pathways designed to match you with lenders who offer loan programs tailored to your needs.
UNITE Credit Union provides financial services to employees, students, alumni and families of the University of Northern Iowa and Cedar Falls Community School District. Members also include employees, retirees and families of MidAmerican Energy, Greco Financial and Nagle Signs. UNITE is federally insured by the National Credit Union Association.
CFCCU was originally chartered in 1958 as a member-owned financial co-operative serving the needs of a local machinists union. Membership was extended to other groups of employees over the years until in 1982, CFCCU received a community charter. Our current field of membership includes individuals who live or work in 7 Iowa counties.
Veridian Credit Union, founded in 1934 in Waterloo, Iowa, is a not-for-profit financial cooperative owned by its members. The credit union offers a full range of consumer financial services and employs more than 900 people throughout 29 branches.Today's Veridian Credit Union is a modern.
At First Bank, our mission and values are behind everything we do. We deliver the financial solutions YOU need! Since 1864 our priority has been to our customers. Our doors are open to serve you and to meet your individual financial needs, you are our customers, but you are also our friends and neighbors.
GNB Bank is proud to be a locally and employee owned, community bank with a focus on friendly, personal service from people you know and trust. We take care of the communities we serve – families, small businesses, local agriculture – and we care about you! I invite you to sample the financial services we offer, from loans, insurance
At Community Bank you are treated like a friend. Our success is measured by the relationships we build with our customers providing competitive banking products, the latest technology, and individualized hands-on service.We consider it a privilege to do business with our customers.
Pinnacle Bank was first chartered in 1927 in Tama, Iowa, as Tama State Bank. In 1996 the charter was moved to Marshalltown, Iowa. A new main office was then built in Marshalltown in 2005 at 2206 South Center Street. This facility was built to accommodate future growth and to allow for in-house processing and servicing.
At Home Federal Savings Bank we are deeply invested in our communities with locations across southeastern Minnesota including Rochester, Austin, Albert Lea, Kasson, La Crescent, Winona, and Spring Valley. In the Twin Cities metro we have a branch in Eagan. Home Federal also has a presence in Iowa with a location in Marshalltown.
