USDA and FHA Pro and Con in Adel, Dallas County, IA

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 .

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2026 Loan Limits and Down Payment Requirements in Adel, County of Dallas, IA

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • KSW Federal Credit Union
  • 222 College Avenue, Waterville, ME, 04901
  • The 1950s were lean years in Maine. Seeing potentially no means of a savings plan within daily work boundaries, realizing finance companies were charging such high-interest rates, and knowing that Credit Unions were paying more on shares, the team of Gus Fortin, Henry Moses, and William Lynch approached Mr. Parsons of the Keyes Fibre Company.

  • New Dimensions Federal Credit Union
  • 94 Silver Street, Waterville, ME, 04901
  • New Dimensions FCU began in 1956 and was known then as Notre Dame Waterville Federal Credit Union. Our mission was simple – to provide excellent financial services to members of Notre Dame Church in Waterville. Our charter was comprised of members of the parish of Notre Dame Church and on August 27, 1956.

  • Stone Funding Group
  • 1639 Cape Coral Pkwy E, Suite 208, Cape Coral, FL, 33904
  • Stonesfgsmall Funding Group offers over 30 years of Financial Service expertise. With our experience and knowledge, our clients can access general business consulting covering income development, financial analysis, marketing evaluation and realignment as well as business efficiency and enhancement services.

  • Benefit Mortgage Inc
  • 1225 SE 27th St, Cape Coral, FL, 33904
  • Benefit Mortgage Inc works hard for your benefit! As a loan and mortgage brokerage firm, we strive to find you the best mortgage and business loans from our catalog of over 140 nationwide lenders. We have those lenders who want your business and will fight to win your loan. We are in your corner to make sure the loan makes sense.

  • Cape Coral Mortgage
  • 3512 Del Prado Blvd S, Cape Coral, FL, 33904
  • At Cape Coral Mortgage, we are different. You need someone you can trust when you are making the biggest financial decision of your life. You need someone who has been around for a long time and has weathered the storm. A company who has people you can meet with, look in the eye and get the truth from.

  • Jack Belles- Reverse Mortgage
  • 1222 SE 47th St, Cape Coral, FL, 33904
  • "Jack has been serving the Home Equity Conversion Market for over 35 years.

    Making sure that every customer understands how the program works is critical to our customers' long term financial security and well being.

    All of our efforts are focused on education of the customer."

  • American Mortgage Solutions Inc
  • 3046 Del Prado Blvd S, Suite 1-B, Cape Coral, FL, 33904
  • American Mortgage Solutions (AMS), your mortgage broker in Cape Coral FL and Louisville KY. We are proudly licensed in Kentucky, Florida, Indiana, Colorado, and Tennessee, where we have been financing homebuyers’ and homeowners’ dreams for more than 20 years. Moving our clients from application to closing is a process that we take pride in.

  • Edison Mortgage Group Inc
  • 1325 Southeast 47th Street, Suite F, Cape Coral, FL, 33904
  • Our mission at Edison Mortgage Group is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.