For 2026, the FHA loan limits in Decorah county, situated in Winneshiek, IA, are detailed as: $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-unit buildings, and $907,900 for four-unit homes.
Conventional loan caps for a single-family residence are set at $726,200, with increases to $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for four-unit structures.
Utilize our FHA calculator to check today’s best FHA rates and assess what downpayment, income, credit, reserves, and documents are necessary to qualify.
Use the Lendersa® calculator to compare FHA rates and terms with other loan programs. Explore FHA alongside options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects extensive loan program data from thousands of lenders, delivering quick comparisons tailored to your financial situation and needs.
The Loan Limits Comparison Table for 2026 in Decorah, Winneshiek, IA, allows you to examine maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification requirements including income, reserves, and credit using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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