In 2026, the FHA loan limit in Waterloo, county of Black Hawk, IA, is $472,030 for single-family homes, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The maximum for conventional loans on a single-family residence is $726,200, $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for four-units.
Use our FHA calculator to find today’s best FHA rates and determine what’s needed for down payment, income, credit, reserves, and documents necessary to qualify.
The Lendersa® calculator helps you compare FHA rates and terms with other loan program offers. Explore options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Accessing data from thousands of lenders, Lendersa® quickly aligns it with your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Waterloo, Black Hawk, IA, offers insights on maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualifications like income, reserves, and credit, use 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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