USDA VS FHA in Ankeny, Polk County, IA

For 2026, the USDA loan limit in Ankeny, within Polk county, IA, is $336,500. Meanwhile, the limit for FHA, applicable to a single-family home, stands at $472,030.

Utilize the Lendersa® USDA loan calculator to explore today's best rates between USDA and FHA loans, while determining the necessary income, credit levels, reserves, and documentation to qualify. With our comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, helping you decide on the best option for your specific financial situation in .

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2026 Loan Limits and Down Payment Necessities in Ankeny, Polk County, IA

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

Available USDA and FHA Loan Options in Ankeny, IA

The mission of Lendersa® is to help you obtain the best USDA or FHA loan without delay and with minimal hassle. Choose one of three starting methods to connect with lenders and USDA loan programs.

Results of Lendersa USDA loan requests

Understanding the USDA Loan in IA

The USDA home loan is backed by the U.S. Department of Agriculture, frequently referred to as the USDA rural development loan. This option is only available for rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage does not require any down payment.

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



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