USDA Vs. FHA Pro and Con comparison in Cedar-Falls, Black Hawk County, IA

In 2025, the USDA loan limit in Cedar-Falls, part of Black Hawk county, IA, is set at $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare USDA and FHA rates today, determining the necessary income, credit, reserves, and documents for qualification. Our advanced calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans to help decide which program best fits your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Cedar-Falls, Black Hawk County, IA

Loan Type Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Cedar-Falls, IA

Lendersa® aims to help you acquire the best USDA or FHA loan quickly and easily. Start by choosing one of three ways to connect with lenders and USDA loan options.

Results of Lendersa USDA loans requests

Understanding USDA Loans in IA

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan, is available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, a USDA mortgage requires no down payment.

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



  • A Class Loans LLC
  • 1600 South Dixie Highway, Suite 500A, Boca Raton, FL, 33432
  • We are conveniently located in Boca Raton Florida, we offer our services with honesty, fast process, and responsibility. Our company does not focus in close loans only, we focus in the best interest for our customers. The company has 1 principal on record. The principal is Glenn Fradera from Boca Raton FL.
  • Dot Mortgage Company LLC
  • 1200 N. Federal HIghway, Suite 200, Boca Raton, FL, 33432
  • "DOT SPECIALIZES IN FINANCING FOR FOREIGN NATIONALS. The FOREIGN NATIONAL market is small and unexplored due to its complexity. We seek and formulate the best financing solutions for foreigners. We also have teams dedicated to working with the various categories of loans already existing in the North American Market"
  • PRIMA FINANCIAL SERVICES INC
  • 33 SouthEast 7th Street, Suite N, Boca Raton, FL, 33432
  • Prima Financial Services, strives to be your financial service provider of choice. We recognize that you have a choice and that we have to earn your trust and confidence. Our objective is to serve each of our customers with the up most quality and honesty in obtaining a mortgage. Prima Mortgage originators are trained to obtain you
  • Heide International LLC
  • 1200 North Federal Highway, Suite S200, Boca Raton, FL, 33432
  • Heide International Mortgage Financing are passionate about Real Estate Finance and are always looking for innovative structures to meet the demands and goals of our clients. The world of mortgage financing can be confusing and frightening. Banks rarely have to time, education or know how that it takes to walk first time home buyers
  • Choice Mortgage
  • 40 Southeast 5th Street, Suite 502, Boca Raton, FL, 33432
  • Choice Mortgage is a residential wholesale direct lender in Boca Raton. As a direct lender, we work personally with you through every step of the mortgage loan process, from pre-approval to close. We can also approve and finance loans that other banks have to turn down. By specializing only in residential loans, we have the specific expertise
  • Pro-Vision Team Funding Inc
  • 1515 N. Federal Highway, Suite 300-34, Boca Raton, FL, 33432
  • Our mission statement is simple. We want to help you to get to the next level. whether it be in your home or business. We have an uncompromising commitment to work as hard as possible on your behalf. We are willing and able to go beyond the call of duty to ensure you receive quality service.
  • Howard Grace Mortgage
  • 1515 North Federal Highway, Suite 300, Boca Raton, FL, 33432
  • Howard Grace and Associates is a Full Service Mortgage Brokerage Business specializing in a higher level of service. We are proud of the fact that our success has been the result of referrals from satisfied borrowers who have sent us their friends & family through the years. We take the time to listen to borrowers' needs and tailor each mortgage.
  • Mortgage Superstore LLC
  • 1 South Ocean Blvd, Suite 200, Boca Raton, FL, 33432
  • With 35+ years of excperience in the mortgage industry, You can rely on us to help you find the loan program that's best for you. Our team of professionals is eager to help you with this big financial decision. We will treat you right and give you the personal service you deserve.
  • Express Mortgage Services Florida LLC
  • 484 Ne Wavecrest Ct, Boca Raton, FL, 33432
  • Our mission 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.
  • The Newfinity Group
  • 510 NE Wavecrest Way, Boca Raton, FL, 33432
  • At The Newfinity Group, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. We have relationships with many lenders.
  • Insource Funding
  • 433 Plaza Real, Ste 275, Boca Raton, FL, 33432
  • Insource Funding is a nationwide Hard Money lender that was established in 2001 to provide time-sensitive short term Hard Money loans to real estate investors for the purchase, refinance or cash-out of non-owner occupied residential, multi-family, mixed-use, office, retail, warehouse and small balance commercial properties.
  • Mortgage Makers USA, Inc.
  • 433 Plaza Real, Suite 275, Boca Raton, FL, 33432
  • Mortgage Makers USA, Inc. is a full service mortgage brokerage business licensed in the State of Florida since 1998. For the past nineteen years, Mortgage Makers USA, Inc. has been servicing our customers with integrity, honesty and competence. We offer a comprehensive line of mortgage products including conforming and non-conforming home loans.