FHA VS Conventional loan programs in 2025 for Iowa-Falls, Hardin County, Iowa

As of 2025, the limit for Conventional loans in Iowa-Falls, within the county of Hardin, IA, is set at $647,200. Meanwhile, the FHA limit for a single-family home stands at $420,680.

The Lendersa® Conventional loan calculator helps you compare the best rates today between Conventional, FHA, and USDA loans. Determine what income, credit levels, reserves, and documents you need to qualify. Our advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in choosing the best option in IA for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Iowa-Falls, Hardin County, 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: 50126

Explore Conventional and FHA Loan Options in Iowa-Falls, IA

The objective of Lendersa® is to find you the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose one of three starting points that will connect you with matching lenders and loan programs.

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  • Peoples Bank
  • 116 West State Street, Jefferson, IA, 50129
  • Jefferson Branch is a branch office of Peoples Bank. They provide the following services: Full Service Office Location and are located at 116 West State Street in Jefferson Iowa. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number, online banking website
  • Home State Bank IA
  • 115 West State Street, Jefferson, IA, 50129
  • At Home State Bank, we truly focus on building lasting relationships to benefit our customers and our community. Our success is rooted in both understanding the full needs of our customers in order to provide the best solution every time, and in giving back to and advocating on behalf of our community to keep it as a great place to live.
  • Community Bank of Oelwein
  • 150 1st St SE, Oelwein, IA, 50662
  • 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.
  • Farmers Trust & Savings Bank
  • 101 N Main St, Buffalo Center, IA, 50424
  • Farmers Trust and Savings Bank is an employee-owned, community bank with offices in Buffalo Center, Lakota, Britt, Lake Mills and Bricelyn . FTSB strives to make our communities better places to live and work. We specialize in ag lending, and offer a variety of products and services to meet your personal and business needs.
  • BankIowa
  • PO Box 229, Independence, IL, 50644
  • At BankIowa, community banking is a commitment and a responsibility. We will deliver the highest quality banking experience for our customers while fulfilling their financial needs with a broad array of products and services. Employees, contributing to our customer's and the Bank's success, are our most important asset
  • Journey Credit Union
  • 2930 SE 14th Street, Des Moines, IA, 50320
  • "Journey Credit Union's friendly staff is here to serve all your financial needs. It shall be the mission of Journey Credit Union to benefit all members by: promoting thrift and encouraging regular savings; offering loans at reasonable rates of interest; providing personal, professional and confidential services to all members;"
  • First Rate Mortgage LLC
  • 1350 Hannah Lane, Waukee, IA, 50263
  • First Rate Mortgage was established in 1998 by Angela Swank (Frost). We are locally owned and operated and licensed in the State of Iowa. Our customers are like family and we treat them that way.Our goals are to provide a high level of one on one service with our customer's and offer them the best rates available.
  • Midwest Heritage Bank
  • 3580 Ep True Pkwy West Des, West Des Moines, IA, 50265
  • At Midwest Heritage, a Hy-Vee company, is a full service financial center offering banking, investments and insurance. We believe that your time is important. That’s why we offer extended business hours, seven days a week at our six in-store Hy-Vee locations. We also offer two branch locations in West Des Moines and Chariton, Iowa.
  • State Savings Bank
  • 4800 Mills Civic Parkway, Suite 100, West Des Moines, IA, 50265
  • The State Savings Bank mission begins with you because without you, there would be no we! We come to work each day for you— to listen to your financial goals, to understand your financial problems, and to offer guidance, advice and solutions that meet your goals. Safety, timeliness, fairness, trust, quality products and services are essential.
  • West Bank
  • 1601 22nd Street, West Des Moines, IA, 50266
  • West Bank is a community bank that provides full-service banking & trust services to businesses and consumers. The company conducts business in metropolitan Des Moines & Coralville, Iowa and SE Minnesota and also West Bank employees place a high priority on community involvement, lending their time.
  • Splice Funding Solutions
  • 830 65th St, West Des Moines, IA, 50266
  • Splice Funding Solutions is a full service loan lending entity specializing in the arranging, placement, funding, and brokering of commercial loans nationwide. In addition, Splice Funding Solutions offers consulting services to entities or individuals looking to arrange financing for a broad range of commercial projects.