FHA VS Conventional loan programs in Urbandale, Polk County, Iowa
In the year 2026, within Urbandale, which falls under the jurisdiction of Polk county in IA, the conventional loan limit is established at $726,200. For FHA loans directed at single-family homes, this limit is set at $472,030. Understanding these loan limits is crucial for homebuyers and investors as they inform your mortgage potential and financing strategy.
Use the Lendersa® Conventional loan calculator to accurately compare today's top options for Conventional, FHA, and USDA loans. This tool helps you evaluate the requirements for income, creditworthiness, reserves, and essential documentation necessary for qualification. Our sophisticated mortgage calculator shows a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, assisting you in choosing the most suitable program in IA that aligns precisely with your financial circumstances.
Loan Limits and Downpayment Requirements for 2026 in Urbandale, Polk, 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 specified zip codes: 50111. Leverage this data to inform your financial decisions and strategies.
Exploring Conventional and FHA Loan Options in Urbandale, IA
The mission of Lendersa® is to connect you with the best possible Conventional, USDA, or FHA loans quickly and effortlessly. Embark on your journey by selecting one of three pivotal starting points designed to align you with lenders and loan programs tailored to meet your unique financial needs.
At City State Bank we are proud to be a locally owned, family owned, community bank. And during a time of mergers, acquisitions, and 'bigger is better' philosophy, we like being different. Sure, we have great products, but more importantly, we have the great service that should go with those products.
Community Choice, we UNbank. That means doing things the big banks won’t. We’re a member-owned cooperative that was established and continues to operate on the principal of members helping members. We’re not owned by a holding company or some crazy, faceless conglomerate. We’re owned by over 50, 000 Iowans that are just like you.
In 2009, PLA began building its partnerships with credit unions throughout the Midwest. We are wholly owned by a credit union to serve our partnering financial institutions and their members. PLA is an Iowa mortgage CUSO providing mortgage loan products and services to credit unions .
Open Mortgage is a fast-growing national multi-channel mortgage lender that Empowers the American dream of homeownership. Since 2003 we strive to empower our loan originators and partners to be educators, helpers, doers to help change lives. This is why we come to work each day, ready to put people on a path to homeownership and a better life
Independent Mortgage is one of Iowa's oldest mortgage banking firms. We have decades of mortgage industry experience that allows us to help you find the loan that is best for your unique situation. Through our main office in Urbandale, Iowa, we can serve the entire State of Iowa.
With over 20 years of helping Iowans find home loans with low interest rates under our belts, our role in your home buying experience is much more than simply finding you the right mortgage. We’re here to help you explore your options, understand each thoroughly, and choose the best option for your future.
FHA mortgage loans are an attractive mortgage solution for a purchase or refinance because today's FHA mortgage rates are near historic lows. The guidelines are also flexible allowing more people to qualify. Whether you have had credit issues in the past or are simply looking to limit your down payment to 3.5%,
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.
3839 Merle Hay Road, Suite 274, Des Moines, IA, 50310
Lends in Iowa
Halo Capital specializes in financing for real estate in the Des Moines, IA area. Licensed, bonded, and trained in many facets of real estate lending, the professionals at Halo Capital can help you obtain a mortgage in Iowa. In addition, our firm invests in the local marketplace as well as takes great pride in educating consumers and investors.
