USDA Loan Vs. FHA loan for Adel, IA 2026

In 2026, the USDA loan limit set for Adel, county of Dallas, IA is $336,500. Meanwhile, the FHA limit for a single-family house is $472,030.

Take advantage of the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, and identify the income, credit, savings, and documents needed for qualification. Our advanced mortgage calculator lets you examine USDA, FHA, Conforming, and VA loans side by side, helping you choose the best option for your financial circumstances in .

USDA and FHA Financing Options in Adel, IA

The mission of Lendersa® is to rapidly and effortlessly secure the most favorable USDA or FHA loan for you. Choose between three starting options that help connect you with lenders and USDA loans.

Lendersa USDA loan requests and matching results

Understanding USDA Loans in IA

A USDA home loan, endorsed by the Department of Agriculture and also referred to as a USDA rural development loan or mortgage, is exclusively available in rural areas. In contrast to FHA loans which demand a 3.5% down payment minimum, USDA mortgages require no down payment.

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Adel Lenders
(515) 993-4581 Lender's profile and map Raccon Valley Bank 1009 Court Street, Adel, IA, 50003 Lends in Iowa At Raccoon Valley Bank you can get everything you need in one place. From opening your first checking account to financing your home to planning for a comfortable retirement, we can do it all. Because we believe banking should be easy, complete, and convenient.Valley Bank you can get everything you need in one place.
(515) 771-9998 Lender's profile and map First Rate Mortgage LLC 1350 Hannah Lane, Waukee, IA, 50263 Lends in Iowa First Rate Mortgage was established in 1998 by Angela Swank (Frost). We are locally owned and operated and licensed in the State of Iowa. Our customers are like family and we treat them that way.Our goals are to provide a high level of one on one service with our customer's and offer them the best rates available.
(515) 981-0434 Lender's profile and map City State Bank 100 NE Jacob St, Grimes, IA, 50111 Lends in Iowa At City State Bank we are proud to be a locally owned, family owned, community bank. And during a time of mergers, acquisitions, and 'bigger is better' philosophy, we like being different. Sure, we have great products, but more importantly, we have the great service that should go with those products.
(515) 223-4753 Lender's profile and map Earlham Bank 7300 Lake Drive, West Des Moines, IA, 50266 Lends in Iowa Earlham Savings Bank is prepared for that future and still stands stronger than ever. A commitment to remembering where we have come from, the simple principals of thinking of our customers first and treating people with fairness and respect remain. It is by these standards we continue to grow and serve Central Iowa.
(515) 698-1000 Lender's profile and map Freedom Financial Bank 1255 Jordan Creek Parkway, West Des Moines, IA, 50266 Lends in Iowa Freedom Financial Bank is a community bank committed to building relationships through professional, personal service. We give you the powerful tools of a major financial institution, the convenience of a one-stop financial resource, and the responsiveness of a local bank. As a local bank, Freedom Financial Bank chartered in 1999.
(515) 222-2300 Lender's profile and map West Bank 1601 22nd Street, West Des Moines, IA, 50266 Lends in Iowa West Bank is a community bank that provides full-service banking & trust services to businesses and consumers. The company conducts business in metropolitan Des Moines & Coralville, Iowa and SE Minnesota and also West Bank employees place a high priority on community involvement, lending their time.
(515) 216-1600 Lender's profile and map Splice Funding Solutions 830 65th St, West Des Moines, IA, 50266 Lends in Iowa Splice Funding Solutions is a full service loan lending entity specializing in the arranging, placement, funding, and brokering of commercial loans nationwide. In addition, Splice Funding Solutions offers consulting services to entities or individuals looking to arrange financing for a broad range of commercial projects.
(855) 888-1675 Lender's profile and map Conterra Ag Capital 5465 Mills Civic Parkway, Suite 201, West Des Moines, IA, 50266 Lends in Iowa Conterra has lending offices through out the United States. We have relationship managers and credit teams available in your region and ready to hear your story. Find an Ag lender in your region to get personal service and financing that tailors to your unique operation.Conterra’s staff of seasoned.
(877) 281-0689 Lender's profile and map Fidelity Bank 177 S. Jordan Creek Pkwy, West Des Moines, IA, 50266 Lends in Iowa Fidelity Bank is a locally owned, locally managed community bank in Iowa. With a commitment to providing our customers with the banking services and support they need; Fidelity Bank offers a variety of banking and lending options. Fidelity Bank is on LinkedIn to celebrate our team members.