FHA VS Conventional loan programs in West-Des-Moines, Polk County, Iowa
In 2026, the limit for conventional loans in West-Des-Moines, which falls under Polk county, IA, is set at $647,200. For FHA loans tailored for single-family homes, the limit is $420,680. Understanding these limits is vital for homebuyers and investors as they plan their financing strategies and explore their mortgage options.
Leverage the Lendersa® Conventional loan calculator to compare today's most competitive rates, focusing on Conventional, FHA, and USDA loans. This tool assesses necessary income levels, credit scores, financial reserves, and documentation required for qualification. With our advanced mortgage calculator, you can review Conforming Conventional, USDA, FHA, and VA loans side by side to determine which program in IA best fits your financial profile.
Loan Limits and Downpayment Requirements for 2026 in West-Des-Moines, Polk, IA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This table specifically applies to the zip codes: 50265. Use this insight to align your financial planning effectively.
Explore Conventional and FHA Loan Options in West-Des-Moines, IA
Lendersa® is dedicated to swiftly connecting you with the best available Conventional, USDA, or FHA loans, reducing hassle in the process. Start with one of our three primary approaches to align with lenders and loan programs that meet your specific goals and needs.
3580 Ep True Pkwy West Des, West Des Moines, IA, 50265
Lends in Iowa
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.
4800 Mills Civic Parkway, Suite 100, West Des Moines, IA, 50265
Lends in Iowa
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 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 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.
177 S. Jordan Creek Pkwy, West Des Moines, IA, 50266
Lends in Iowa
Fidelity Bank is a locally owned, locally managed community bank in Iowa. With a commitment to providing our customers with the banking services and support they need; Fidelity Bank offers a variety of banking and lending options.
Fidelity Bank is on LinkedIn to celebrate our team members.
1150 Jordan Creek Pkwy, West Des Moines, IA, 50266
Lends in Iowa
With over 25 locations in 22 communities across the state, Bank Iowa offers the services of a large financial institution, but operates as a community bank in which decisions are made locally. The Bank Iowa locations are affiliates of Bank Iowa Corporation, a privately owned bank holding company headquartered in West Des Moines, Iowa.
At HomeServices Lending, you can choose from wide range of home financing options including conventional conforming, fixed rate and adjustable rate, FHA and VA loans, jumbo financing, investment property financing, refinancing and renovation loans. Our mission is to provide credit-worthy customers
1501 42nd St, Suite 465, West Des Moines, IA, 50266
Lends in Iowa
Summit Mortgage is changing the way homebuyers view and experience the mortgage lending process. In today’s technology-driven world, it’s easy to end up as another piece of data in an automated system. But we think homebuyers deserve better. That’s why we’ll provide you with personalized service, complete transparency
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.
