FHA VS Conventional loan in Spirit-Lake, Dickinson County, Iowa

In 2025, the conventional loan limit in Spirit-Lake, within Dickinson county, IA, is set at $647,200, while the FHA limit for a single-family home is $420,680.

Utilize the Lendersa® Conventional loan calculator to examine current top rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and necessary documents to qualify. With our advanced mortgage calculator, compare Conforming Conventional loans, USDA, FHA, and VA options side by side to choose the best program in IA for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Spirit-Lake, Dickinson, 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 zip codes: 51360

Conventional and FHA Loan Options in Spirit-Lake, IA

The aim of Lendersa® is to quickly secure for you the best possible Conventional, USDA, or FHA loan hassle-free. Choose from three starting options to find matching lenders and loan programs.

Results for USDA loan requests at Lendersa


  • California Funding & Investments
  • 700 East Shaw Avenue, Fresno, CA, 93710
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, Refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • Eagle Platinum Mortgage
  • 27450 Ynez Road, Suite 306, Temecula, CA, 92590
  • Eagle Platinum Mortgage to help you find the loan program that's best for you. Our team of professionals is eager to help you with this big financial decision. We will treat you right and give you the personal service you deserve. We know you're making a commitment in buying a house, Refinancing a mortgage
  • Complete Real Estate
  • 28636 Old Town Front Street, Suite 202, Temecula, CA, 92590
  • Complete Real Estate lenders offer some of the best interest rates and the lowest fees on the market. We will shop your loan with multiple lenders to make sure you are getting the best terms, and we will take the time to explain the process and procedures so that you are comfortable with loan product you select.
  • Xcellerate Home Loans
  • 770 East Shaw Avenue, Suite 128, Fresno, CA, 93710
  • Get the best service throughout your transaction and after close. I can help with all the nuances of your purchase or refi, giving you options that best fit your circumstances and goals. I work as your agent to help it go as seamless as possible, with over 20 years experience at work for you.
  • Biggs Group
  • 41715 Enterprise Circle N, Suite 106, Temecula, CA, 92590
  • "Biggs Rep are an experienced, fun, and intelligent group of Real Estate Professionals who also just happen to be warriors for our clients. Mortgage Lending Creating financial solutions Negotiation Loan Origination Closing deals Reversing Loan Denials WE’D LOVE TO HELP YOU WITH: Pre-approvalsFirst HomesInvestmentsRefinancing..
  • 21st Century Financial
  • 43460 Ridge Park Drive, Suite 200, Temecula, CA, 92590
  • 21st Century Financial was created out of a desire to simplify the process of getting a home loan, and while we can‘t control all aspects of the home lending process, we are determined to make it as simple as we can. It’s our belief that buying a home (or refinancing one) should not be a stressful experience, it shouldn’t be like pulling teeth.
  • Onenation Lending Inc
  • 43460 Ridge Park Dr, Suite 200, Temecula, CA, 92590
  • OneNation Lending, our mission is to provide homeowners and future homeowners a variety of home financing options at competitive rates; fulfilling their needs in a manner that enhances their standard of living in realizing the American Dream we work hard to be leaders in the industry.
  • Far West Financial
  • 5100 North 6th Street, Suite 170, Fresno, CA, 93710
  • We are a Real estate and loan brokerage located in Fresno, California. We are your one stop shop for buying or selling a home, residential financing and property management.CA DRE # 01888981brokerage located in Fresno, California. We are your one stop shop for buying or selling a home