In 2026, the FHA loan limit for Urbandale county, located in Polk, IA, is established at $472,030 for single-family residences. For 2-unit homes, the limit is $604,400, for 3-units it's $730,525, and for properties with 4-units, it's capped at $907,900.
When it comes to conventional loans, the upper borrowing limit for a single-family residence is $726,200. For duplexes, the limit is $929,850. If you're looking at a triplex, this amount is $1,123,900, and for a four-unit building, the limit is $1,396,800.
Try out our FHA calculator to view the current optimal FHA rates available and discern the downpayment, credit score, income level, reserves, and documentation necessary to qualify for these rates.
The Lendersa® calculator equips you to juxtapose the rates and terms of FHA loans with all other available loan program options. Delve into options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, and compare them directly with FHA loans.
Lendersa® gathers comprehensive data on loan programs from a multitude of lenders and swiftly aligns this data with your personal financial profile and needs for immediate comparison.
The 2026 Loan Limits Comparison Table for Urbandale county, Polk, IA, allows you to evaluate maximum loan amounts across various options such as FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare eligibility standards, such as income, reserves, and credit scores, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) can be utilized.
| 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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