FHA VS Conventional loan in Iowa-City, Johnson County, Iowa
In 2026, the conventional loan limit for Iowa-City in the county of Johnson, IA, is set at $647,200, while the FHA loan limit for a single-family home is $420,680. These limits are important for prospective homeowners to understand as they plan their budgets and financing strategies.
Utilize the Lendersa® Conventional loan calculator to evaluate today's best rates for Conventional, FHA, and USDA loans. This tool assists you in assessing the necessary income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, you can see Conforming Conventional loans, USDA, FHA, and VA loans side-by-side, allowing for an informed decision about which program in IA best suits your unique financial situation.
2026 Loan Limits and Downpayment Requirements in Iowa-City, Johnson, 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 to zip codes: 52245. This overview helps you understand the specifics for your area.
Conventional and FHA Loan Options in Iowa-City, IA
Lendersa® aims to provide you with access to the best possible Conventional, USDA, or FHA loan, quickly and without hassle. Choose one of three starting points to find lenders that match your needs and program requirements.
Residential Mortgage Network, Inc. is a mortgage bank providing USDA Rural Development, VA, Conventional, FHA and New Construction Loans to borrowers throughout the state of Iowa.Since 1987, our loan officers have been passionate about providing excellent home loan programs and outstanding customer service.
GreenState Credit Union is a member owned financial cooperative with 18 office locations. GreenState has grown to over $5.5 billion in assets and 200, 000 members. Membership is open to anyone living or working in Iowa and 4 Illinois Counties, as well as direct relatives of current members and University of Iowa students, staff, and alumni.
Peoples Trust and Savings Bank was founded in 1928. We are a locally-owned-and-operated community bank serving Riverside, Iowa and the surrounding areas. Peoples Trust and Savings Bank offers the services of a modern financial institution while maintaining the integrity of a community bank.
"Mount Vernon Bank & Trust Company adheres to these values by providing personal and business banking customers the banking services they need with the quality service they deserve. Because Mount Vernon Bank & Trust Company works locally, financial decisions, large and small, can be made quickly to improve your banking experience.
Community Bank with locations in Mechanicsville, Mount Vernon & Solon Iowa. Bridge Community Bank is happy to help you with all your banking needs, from deposit accounts, IRA, CDs, business products, commercial & personal loans, mortgage loans, to our BCB Investment Services. Along with banking business,
Metco Credit Union is a non-profit financial cooperative, owned, and operated by its members. Our purpose is to create pathways to financial success for our members by providing a full range of competitive services that respond to their changing needs. Metco Credit Union Established in 1957.
Fairfax State Savings Bank, we understand the little things that make this community so special: strong solid relationships, a sense of pride in local growth, welcoming hospitality and sincere friendliness. We are an independent, community bank that has provided trusted financial services for generations
3535 Center Point Road NE, Cedar Rapids, IA, 52402
Lends in Iowa
Quaker Oats Credit Union is a full-service financial institution for the employees, retirees, and family members of the Quaker Oats Company, Tree House Foods, PMX Industries, Circle Computer Resources, CCB Packaging, and Trapeze Group. Quaker Oats Credit Union is a member-owned financial institution dedicated to serving its members.
Hills Bank has grown to become one of Iowa's largest independent banks. We have achieved this growth the old fashioned way — by earning our customers' respect, one at a time.
Hills Bank was founded on the principle that banks should care about the people they serve and provide ways to help them prosper.
