During 2026, the FHA loan limit within Council-Bluffs county, Pottawattamie, IA, stands at $356,362 for a single-family home. For two-unit properties, it is $456,275, for triplex homes, it's $551,500, and for quadplexes, the limit is $685,400.
As for conventional loans, the highest amount one can borrow for a single-family residence is $548,250. For duplexes, this amount is $702,000; for triplexes, it reaches $848,500, and for four-unit buildings, you can borrow up to $1,054,500.
Utilize our FHA calculator to view the most competitive FHA rates available today and establish the essential downpayment, as well as understand the income, credit score, reserves, and documentation needed for qualification.
Through the Lendersa® calculator, one can compare the rates and terms of FHA loans against those of other loan programs. Delve into and contrast various options, including Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM, and hard money loans, alongside FHA offerings.
Lendersa® efficiently gathers loan program data from numerous lenders, swiftly integrating and comparing it with your distinct financial needs and profile.
Access the Loan Limits Comparison Table for 2026 in Council-Bluffs county, Pottawattamie, IA, which facilitates a comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification factors such as income, reserves, and credit standing, utilize 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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