In 2026, FHA loan limits in Clear-Lake county of Cerro Gordo, IA are: $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
The highest loan amount for conventional loans on a single-family home is $548,250, increasing to $702,000 for two units, $848,500 for three, and $1,054,500 for four units.
Use our FHA calculator to check today’s top FHA rates and determine the required downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms with those from other loan programs. Assess options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles loan program data from a vast network of lenders, providing quick comparisons to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Clear-Lake, Cerro Gordo, IA, presents maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification needs like income, reserves, and credit criteria.
| 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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