For the year 2026 in Polk-City county, located in Polk, IA, the FHA loan limit is set at $356,362 for a single-family home. The limits rise to $456,275 for two-unit dwellings, $551,500 for three-unit properties, and reach $685,400 for four-unit homes.
Conventional loan maximums for a single-family residence are $548,250. This increases to $702,000 for a duplex, $848,500 for a triplex, and $1,054,500 for a four-unit building.
Utilize our FHA calculator to discover today's top FHA rates, and to ascertain requirements such as the downpayment, income, credit score, reserves, and necessary documents for qualification.
Lendersa® facilitates comparing FHA loan rates and conditions with a variety of other loan programs. Dive into options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money propositions.
Lendersa® gathers comprehensive data from thousands of lenders and provides quick comparisons suited to your financial circumstances and individual requirements.
Check the Loan Limits Comparison Table for 2026 in Polk-City county of Polk, IA to evaluate FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. For a detailed examination of qualification criteria such as income, credit, and reserves, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to aid decision-making.
| 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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