In the year 2026, the FHA loan ceiling for Ames county, Story, IA, is set at $472,030 for single-family residences. For duplexes, the limit is $604,400, for tri-units it is $730,525, and for quad-units, it is $907,900.
The highest borrowing limit for conventional loans on a single-family house is $726,200. For 2-units, it's $929,850; for 3-units, $1,123,900; and 4-units can go up to $1,396,800.
Leverage our FHA calculator to visualize today’s top FHA rates and understand the required down payment, income, credit score, reserves, and necessary documentation for eligibility.
The Lendersa® calculator allows you to juxtapose FHA interest rates and terms against those of other lending programs. Dive into and evaluate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, all in comparison with FHA rates.
Lendersa® compiles loan program information from thousands of lenders, quickly aligning it with your financial profile and requirements.
For 2026, the Loan Limits Comparison Table in Ames county, Story, IA, lets you compare the maximum loan amounts available through FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to analyze eligibility prerequisites like income, reserves, and credit scores.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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