FHA VS Conventional loan programs in 2026 for Waverly, Bremer County, Iowa

As of 2026, the conventional loan limit in Waverly, located in Bremer county, IA, is $726,200. Meanwhile, for single-family homes, the FHA limit is $472,030.

Use the Lendersa® Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. Determine required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you view Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding in deciding the best program in IA for your financial circumstances.

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2026 Loan Limits and Down Payment Needs in Waverly, Bremer, IA

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

This table is applicable to zip codes: 50677

Conventional and FHA Loan Options in Waverly, IA

Lendersa® aims to quickly secure the best Conventional, USDA, or FHA loan for you without hassle. Choose one of three starting options to connect with matching lenders and programs.

Outcomes for Lendersa USDA loan requests


Waverly Lenders

  • First Bank IA
  • 316 E Bremer Ave, Waverly, IA, 50677
  • Lends in Iowa
  • At First Bank, our mission and values are behind everything we do.
    We deliver the financial solutions YOU need!
    Since 1864 our priority has been to our customers.
    Our doors are open to serve you and to meet your individual financial needs, you are our customers, but you are also our friends and neighbors.

  • UNITE Credit Union
  • 802 West 29th Street, Cedar Falls, IA, 50613
  • Lends in Iowa
  • UNITE Credit Union provides financial services to employees, students, alumni and families of the University of Northern Iowa and Cedar Falls Community School District. Members also include employees, retirees and families of MidAmerican Energy, Greco Financial and Nagle Signs. UNITE is federally insured by the National Credit Union Association.

  • Cedar Falls Community Credit Union
  • 123 W 4th Street, Cedar Falls, IA, 50613
  • Lends in Iowa
  • CFCCU was originally chartered in 1958 as a member-owned financial co-operative serving the needs of a local machinists union. Membership was extended to other groups of employees over the years until in 1982, CFCCU received a community charter. Our current field of membership includes individuals who live or work in 7 Iowa counties.

  • First Security Bank & Trust Co
  • 809 Clark St, Charles City, IA, 50616
  • Lends in Iowa
  • The mission of First Security is to remain an independent financial service organization, characterized by progressive innovation, outstanding financial performance and a full complement of financial solutions for consumers and businesses. First Security will be a profitable community-oriented bank, responsive to the needs.

  • Veridian Credit Union
  • 1827 Ansborough Ave, Waterloo, IA, 50701
  • Lends in Iowa
  • Veridian Credit Union, founded in 1934 in Waterloo, Iowa, is a not-for-profit financial cooperative owned by its members. The credit union offers a full range of consumer financial services and employs more than 900 people throughout 29 branches.Today's Veridian Credit Union is a modern.

  • Community Bank of Oelwein
  • 150 1st St SE, Oelwein, IA, 50662
  • Lends in Iowa
  • 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.

  • GNB Bank
  • 529 G Ave, Grundy Center, IA, 50638
  • Lends in Iowa
  • GNB Bank is proud to be a locally and employee owned, community bank with a focus on friendly, personal service from people you know and trust. We take care of the communities we serve – families, small businesses, local agriculture – and we care about you! I invite you to sample the financial services we offer, from loans, insurance

  • The Home Trust & Savings Bank
  • 628 Main Street, Osage, IA, 50461
  • Lends in Iowa
  • 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