During 2026, the FHA loan limit for a single-family home in Des-Moines, located in Polk county, IA, stands at $356,362. The limit for a 2-unit property is $456,275; for a 3-unit property, it is $551,500, and for a 4-unit one, the cap is $685,400.
The highest loan amount available for conventional loans on a single-family residence is $548,250. For 2-unit properties, it is $702,000; $848,500 for 3-units, and for 4-units, it's $1,054,500.
Use our FHA calculator to access today’s best FHA rates and assess the needed down payment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator makes it simple to compare FHA rates and terms alongside all other loan program rate options. Investigate Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® swiftly gathers loan program data from many lenders and aligns it with your financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Des-Moines county, Polk, IA, offers a look at maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluating qualifications such as income, reserves, and credit can be accomplished with 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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