As of 2025, 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
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| Loan Type | Loan Cap | Initial Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
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?
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