During 2025, 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 2025 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 |
|
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
