FHA VS Conventional loan programs in Emmetsburg, Palo Alto County, Iowa

In 2025, the conventional loan limit for Emmetsburg, located in Palo Alto county, IA, is $726,200, while the FHA limit for a single-family home is $472,030.

The Lendersa® Conventional loan calculator allows you to assess today’s top rates for Conventional, FHA, and USDA loans. By using our advanced mortgage tool, you can compare Conforming Conventional, USDA, FHA, and VA loans side by side. This helps decide which program in IA best fits your financial needs. Review income requirements, credit scores, reserves, and necessary documents for qualification.

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Loan Limits and Downpayment Requirements for 2025 in Emmetsburg, Palo Alto, IA

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

This table applies to the following zip codes: 50536

Conventional and FHA Loan Options in Emmetsburg, IA

Lendersa® is committed to quickly connecting you with the best Conventional, USDA, or FHA loan options without any hassle. Choose one of three paths to find matched lenders and loan programs.

Results for Lendersa's USDA loan requests matching


  • Security State Bank
  • 207 Isabella Street, Radcliffe, IA, 50230
  • Security State Bank (SSB) is one of the oldest banks in Iowa. On July 1, 1884 the Bank of Radcliffe was the 1st Bank to be established in Radcliffe, Iowa. In 1914, the bank was incorporated & the name was changed to Security State Bank. We are proud to be celebrating over 135 years of community service to the Hardin, Hamilton, & Story County areas.
  • ProGrowth Bank
  • 703 3rd Street, Nicollet, MN, 56074
  • ProGowth Bank is more about people than products. It’s about you. ProGrowth Bank is here to build a lifelong relationship to support your financial success and help you achieve financial wellness in life. ProGrowth Bank provides resources and opportunities that business owners need… that you need.
  • The First National Bank of Waseca
  • 101 North State Street, Waseca, MN, 56093
  • First National Bank is a local, family-owned and managed bank that has been proudly serving southern Minnesota since 1874. We strive to meet the growing needs of our customers while developing and maintaining the personal aspects of service that is synonymous with community banking.
  • The Wanda State Bank
  • 121 W Main, Wanda, MN, 56294
  • The State Bank of Wanda was incorporated as a 30-year charter on July 7, 1902. After the “Bank Holiday” under a new charter dated June 1, 1932, our name was changed to The Wanda State Bank. With 89 years of banking excellence, The Wanda State Bank has experience you can count on.
  • Vision Bank of Iowa
  • 104 Chestnut, Ames, IA, 50010
  • VisionBank is dedicated to creating meaningful relationships with customers in each community and helping each community be the best that it can be. The bank offers full service retail, mortgage, consumer, commercial, commercial real estate, and agricultural deposit and lending products and services.
  • Howell Investment Finance
  • 510 S. 17th St, Suite 101 D, Ames, IA, 50010
  • Howell Investment Finance will help you navigate the loan process to achieve the most rewarding outcome. To get the best deal on property financing, you need access to a wide variety of mortgages. Howell Investment Finance will connect you with choices such as HUD, Fannie Mae, Freddie Mac, conduit loans, bridge loans, and construction loans.
  • Greater Iowa Credit Union
  • 801 Lincoln Way, Ames, IA, 50010
  • GICU is a proud credit union organized differently than banks and other financials. We're not-for-profit, member-owned and return net earnings to our members through higher yields, lower rates and greater overall returns on your hard-earned money.At GICU, about helping our members reach their financial goals and want to see them succeed.
  • Midwest Community Credit Union
  • 1909 Old South Palmetto Street, Sioux City, IA, 51106
  • Midwest Community Credit Union is a financial institution that offers mobile banking, loans, gift, debit, and credit card services. Midwest Community Credit Union has been open since 1955. The credit union has assets totaling $42.5 Million and provides banking services to more than 3,000 members.
  • Liberty National Bank IA
  • 4425 Singing Hills Blvd., Sioux City, IA, 51106
  • In 2003, Liberty National Bank was created by a group of local investors who had a vision for a “true community bank." Your answer for all banking needs, including mortgages, financing, free checking, online banking, bill pay, personal savings & checking accounts, home & commercial loans, wealth management and trusts.
  • Security National Bank
  • 601 Pierce Street, Sioux City, IA, 51101
  • Security National Bank was chartered in 1884 in Sioux City, Iowa, founded on the time-tested principles of integrity, honor, open-mindedness, efficiency, good humor, respect, duty and human connection These principles served as guideposts that enabled SNB to withstand the economic panic of the late 1800s, the Great Depression.
  • The Home Trust & Savings Bank
  • 628 Main Street, Osage, IA, 50461
  • Home Trust & Savings Bank has been in the same family for over one hundred years. It started on November 6, 1899, when the bank received its charter and opened for business in the east room of the Cleveland Building, just west of the Merchants Hotel in Osage, Iowa. The bank occupied this location until 1937