For 2026, the FHA loan limits in Winterset county, Madison, IA are: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four-unit properties.
The conventional loan caps for a single-family residence reach $726,200. Two-unit homes are capped at $929,850, for three units it's $1,123,900, and for four-unit properties, it's $1,396,800.
Utilize our FHA calculator to find today's most favorable FHA rates, and determine the downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator facilitates comparing FHA rates and terms with all other loan programs. Consider Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® acquires comprehensive loan data from thousands of lenders, offering swift comparisons to your financial profile and needs.
In 2026, consult the Loan Limits Comparison Table for Winterset county in Madison, IA, to examine maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To compare qualification requirements such as income, reserves, and credit, use the 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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