In 2026, the FHA loan limit in Mason-City county, Cerro Gordo, IA, is $356,362 for a single-family home. For 2-units, it is $456,275; for 3-units, it's $551,500; and for 4-units, it's $685,400.
The maximum amount for conventional loans is $548,250 for a single-family home, $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Use our FHA calculator to find today’s best FHA rates and determine the required downpayment, income, credit, reserves, and documents for qualification.
Lendersa® calculator lets you compare FHA rate & terms with all other loan programs. Explore and evaluate Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® gathers loan program data from thousands of lenders and compares it to your unique financial situation in seconds.
The Loan Limits Comparison Table for 2026 in Mason-City county, Cerro Gordo, IA, allows comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifications like income and credit.
| 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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