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

In 2026, 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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2026 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?



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