FHA VS Conventional loan programs in 2026 for Clear-Lake, Cerro Gordo County, Iowa
For 2026, the loan limit set for a conventional loan in Clear-Lake, situated in Cerro Gordo, IA, is $647,200. Meanwhile, for a single-family residence, the FHA limit is $420,680. These figures guide potential homebuyers in their financial planning.
Utilize the Lendersa® Conventional loan calculator to compare the best rates available today across Conventional, FHA, and USDA loans. This tool also helps determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you see side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA options to choose the best program in IA that suits your situation.
2026 Loan Limits and Downpayment Requirements in Clear-Lake, Cerro Gordo, IA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This table applies to the following zip codes: 50428
Explore Conventional and FHA Loan Options in Clear-Lake, IA
The goal of Lendersa® is to help you quickly and smoothly obtain the best possible Conventional, USDA, or FHA loan. Choose from three starting points that connect you with suitable lenders and loan programs.
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