For the year 2026, the FHA loan limit in Cedar-Falls county, Black Hawk, IA, is set at $356,362 for single-family homes. The limit for two-unit properties is $456,275, for three-unit dwellings it is $551,500, and for properties with four units, the limit reaches $685,400.
The maximum borrowing limit for conventional loans on a single-family residence is $548,250. For duplexes, it is $702,000; for properties with three units, the cap is $848,500; and for four-unit buildings, it is set at $1,054,500.
Try out our FHA calculator to discover the best FHA rates available today and to determine the necessary downpayment, income, credit score, reserves, and documentation required to qualify.
With the Lendersa® calculator, you can compare FHA loan rates and terms with those of all other loan programs. Investigate and contrast options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® sources loan program data from thousands of lenders, allowing it to instantly compare these options against your specific financial profile and requirements.
The 2026 Loan Limits Comparison Table for Cedar-Falls county, Black Hawk, IA, enables comparisons of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification requirements such as income, credit, and reserves, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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