USDA VS FHA in Cedar-Rapids, Linn County, IA

As of 2026, the USDA loan cap in Cedar-Rapids, found within Linn county, IA, stands at $285,000. Conversely, the FHA cap for a single-family residence is $356,362.

Employ the Lendersa® USDA loan calculator to assess today’s USDA and FHA rates, identifying income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, enabling you to determine the most suitable program in .

Compare loan offers from a selection of 100 different lenders

2026 Loan Limits and Down Payment Requisites in Cedar-Rapids, Linn County, IA

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

Choosing USDA and FHA Loans in Cedar-Rapids, IA

Lendersa® strives to help you secure the best USDA or FHA loan efficiently and without any stress. Select from three starting approaches that align with lenders and USDA loan options.

Match outcomes from Lendersa USDA loan requests

Understanding USDA Loans in IA

The USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development mortgage, is restricted to rural areas. FHA loans require at least a 3.5% down payment, whereas the USDA loan mandates none.

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



  • Security State Bank
  • PO Box 9, Tyndall, SD, 57066
  • Security State Bank was established in 1932 in rural South Dakota and has been building strong client relationships ever since. We first opened our doors in Tyndall, SD, and have since expanded to Chancellor, Viborg, and across the border to Jackson and Heron Lake, MN. As a local Midwest business.

  • Indiana Local Biz
  • 450 E. 96th Street, Suite 500, Indianapolis, IN, 46240
  • We provide small to medium sized business owners working capital throughout the USA. Indiana Local Biz was developed when Mike Wright, one of the founders of Foresight Marketing, was asked by a client to help with a short-term financing issue. Our Small Business Finance Team has over 25 years of experience in small business operation, financing.

  • Foresight Business Funding, LLC
  • 450 E. 96th Street, Suite 500, Indianapolis, IN, 46240
  • Biz Fund Finder is affiliated with Foresight Business Funding, LLC. We access a network of over 5000 small business loan, lending partners, throughout the USA. This brings you fast and fair business funding. We also have over 150 Private Funding Sources for Real Estate Funding. Our Small Business Finance Team has over 30 years of experience.

  • Zach Weddle
  • 8465 Keystone Crossing, Suite 145, Indianapolis, IN, 46240
  • Zach pride himself on giving his clients the best mortgage solutions and service available on the market today. Zach come from a family of mortgage lenders, thus it is in his blood. When Zach not helping clients, you can find his at a local networking event, golfing, or traveling.

  • Jones Mortgage Group
  • 3850 Priority Way S Dr, Suite 116, Indianapolis, IN, 46240
  • Jones Mortgage Group offers a variety of loan programs to meet your needs. Weather it is your 1st purchase or your last, or maybe you are looking to refinance your rate or use your home equity we can assist you. Since 1993, I’ve helped people achieve their homeowning dreams by answering their questions & guiding them through the home loan progress.

  • Cafe Lending
  • 3850 Priority Way S Dr, Suite 116, Indianapolis, IN, 46240
  • We are a team of coworkers who only want the best for each other. Our mutual respect & caring attitude are reflected in our work & in how we treat our clients. Our guiding principle is to treat those we serve as we would want to be treated. Our team may be small but we are mighty. We understand that time is one of the most valuable things in life.

  • Mortgage Capital Funding LLC
  • 9465 Counselors Row, Suite 232, Indianapolis, IN, 46240
  • We started Mortgage Capital Funding LLC because we wanted to make refinancing or purchasing your home as easy as it should be. By leveraging the speed and efficiency of digital platforms, we make getting a loan faster, less expensive and less invasive, without sacrificing the personal service that helps put your concerns at ease. .

  • Davis Financial Group LLC
  • 3950 Priority Way S Drive, Suite 210, Indianapolis, IN, 46240
  • Davis Homes is one of the premier builders of new homes in Central Indiana. Whether you have your own lot, or aren’t sure where to build, the Davis Homes team will work hard to make sure your home building experience is second to none and your final product is the highest in quality.

  • Langdon Mortgage
  • 250 E. 96th St, Suite 280, Indianapolis, IN, 46240
  • As a correspondent lender, we can fund your loan internally and thus close faster and have greater flexibility and control over your transaction. Since LMC operates as a multi-source mortgage broker as well, we are also able to broker loans through a variety of national investors.

  • Grandview Lending Inc
  • 8445 Keystone Crossing Blvd, Indianapolis, IN, 46240
  • Grandview Lending promotes the American Dream by being one of Indiana's leading mortgage brokers. Our clients receive the most cost-effective, convenient, and customized options for financing and refinancing residential mortgages.Grandview Lending strengthens communities, fosters family, and builds wealth through home ownership.

  • MJW Financial LLC
  • 8465 Keystone Crossing, Suite 145, Indianapolis, IN, 46240
  • MJW Financial opened its doors in early 2008 in spite of the unfavorable housing market conditions.Unhappy with the reputation given to mortgage banks subsequent to the fall of numerous lenders, the founder decided to create a company whose sole purpose would be to provide affordable & appropriate mortgages to both homeowners.

  • Brunswick State Bank
  • 226 2nd St, Brunswick, NE, 68720
  • Brunswick State Bank proudly provides Brunswick, NE and Winnetoon, NE with complete personal and business banking services. The town began in 1879 when the Galloway family moved to Ellsworth Township from Illinois. Each "eligible member of the family" filed homestead claims - the parents and three grown children.