In 2026, the FHA loan cap in West-Des-Moines county, Polk, IA, stands at $356,362 for a single-family dwelling. For a 2-unit property, the limit is $456,275, for 3-units it's $551,500, and for a 4-unit property, the limit reaches $685,400.
The peak loan amount for conventional financing on a single-family home is $548,250. For duplexes, it is $702,000; for triplexes, the amount is $848,500, and for quad-plexes, it goes up to $1,054,500.
Employ our FHA calculator to view today's best FHA rates and to determine the necessary downpayment, along with income, credit, and reserve requirements for qualification. Ensure you have all required documentation ready.
The Lendersa® calculator allows you to review and compare FHA rates and terms with those of other loan programs. Look at and evaluate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, in juxtaposition with FHA offerings.
Lendersa® instantly accesses loan program data from numerous lenders, effortlessly matching it against your personal financial situation and requirements.
The 2026 Loan Limits Comparison Table for West-Des-Moines county, Polk, IA, permits comparisons of maximum loan amounts among various options: FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For evaluating qualification criteria like income, credit, and reserves, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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