For 2026, the FHA loan limit in Ottumwa county, Wapello, IA, is $472,030 for a single-family home. For a two-unit property, it's $604,400; for three units, it is $730,525; and for four units, the limit is $907,900.
Conventional loan limits for a single-family residence stand at $726,200. For two-unit structures, it is $929,850; for three-unit homes, it's $1,123,900; and for four-unit residences, it reaches $1,396,800.
Use our FHA calculator to explore today's FHA best rates and determine necessary downpayment, income, credit score, reserves, and documents required for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms alongside all other loan programs. Look into and compare Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA rates.
Lendersa® accesses data from thousands of lenders, allowing rapid comparisons with your financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Ottumwa county, Wapello, IA, enables comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lenders. To compare qualifications like income, reserves, and credit, utilize 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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