In 2026, the FHA loan limits for Webster-City county in Hamilton, IA, are set at $356,362 for a single-family home. For two-unit properties, the limits rise to $456,275; for three units, they increase to $551,500; and for four-unit buildings, the cap is $685,400.
The maximum loan amounts for conventional loans on a single-family home reach $548,250. For two-unit homes, the limit is $702,000; for three units, it stands at $848,500; and for four units, it extends to $1,054,500.
Utilize our FHA calculator to uncover today’s best FHA rates and determine the necessary downpayment, income, credit score, reserves, and documents for qualification.
The Lendersa® calculator facilitates comparing FHA rates and terms with other loan programs. Consider evaluating options for Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® integrates loan data from thousands of lenders, enabling quick comparison tailored to your specific financial profile and needs.
In 2026, the Loan Limits Comparison Table for Webster-City, in the county of Hamilton, IA, provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements such as income, reserves, 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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