For 2026, the FHA loan limit in Fairfield county, Jefferson, IA, reaches $472,030 for a single-family home. This increases to $604,400 for two-unit buildings, $730,525 for three units, and up to $907,900 for four-unit properties.
Regarding conventional loans, the maximum loan amount for a single-family residence is $726,200. For duplexes, it's $929,850, for triplexes $1,123,900, and for quadplexes, it is $1,396,800.
Utilize our FHA calculator to discover today’s best FHA rates and determine the necessary downpayment, income, credit score, reserves, and pertinent documents needed for qualification.
The Lendersa® calculator is designed to help you compare FHA rates and terms with those of other loan programs. Examine and evaluate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® compiles comprehensive data from thousands of lenders, swiftly comparing it against your unique financial requirements and profile.
The Loan Limits Comparison Table for 2026 in Fairfield county, Jefferson, IA, aids in the assessment of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualifications like income, reserves, and credit.
| 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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