FHA VS Conventional loan in Des-Moines, Polk County, Iowa
For the year 2026, the conventional loan limit in Des-Moines, within Polk county of IA, is marked at $647,200. Meanwhile, the FHA loan cap for a single-family home is set at $420,680. Understanding these figures is key for homebuyers and real estate investors to plan their financial strategies effectively.
Use our comprehensive Lendersa® Conventional loan calculator to compare the optimal rates available today among Conventional, FHA, and USDA loan options. Our advanced tool evaluates income requirements, credits, reserves, and necessary supporting documents needed to qualify. Examining Conforming Conventional, USDA, FHA, and VA loans side by side ensures you choose the best program in IA to fit your personal financial scenario.
2026 Loan Limits and Downpayment Requirements in Des-Moines, Polk, IA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This comparison table applies to these zip codes: 50309. Utilize this information to make sound borrowing decisions.
Conventional and FHA Loan Options in Des-Moines, IA
Lendersa® is committed to swiftly securing you the best possible Conventional, USDA, or FHA loan, making the process seamless. Choose one of three strategic starting points, each leading to lenders and loan programs precisely suited to your financial needs.
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