USDA Loan Vs. FHA loan for Charles-City, IA [Floyd County ]

As of 2025, within Charles-City, located in Floyd county of IA, the limit for USDA loans stands at $285,000, whereas the FHA limit for a single-family residence is $356,362.

Utilize the Lendersa® USDA loan calculator to compare the best available rates between USDA and FHA today. This tool helps you identify the income, credit, reserves, and documentation you need to qualify. Our sophisticated mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA programs, aiding you in determining the most suitable choice for your financial situation in .

Explore USDA and FHA Loan Choices in Charles-City, IA

At Lendersa®, our goal is to help you secure the ideal USDA or FHA loan swiftly and effortlessly. Choose from three initial options to connect with matching lenders and available USDA loan programs.

Lendersa USDA loan queries and matching results

Understanding USDA Loans in IA

A USDA home loan, supported by the government Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is exclusively catered to rural areas. Unlike FHA loans that mandate a 3.5% minimum down payment, USDA loans have no down payment requirement, presenting a significant benefit for eligible borrowers.

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(315) 788-4163 Lender's profile and map Reviews Watertown Postal Federal Credit Union 232 Commerce Park Drive, Watertown, NY, 13601 WPFCU was established in April, 1949 and is a member-owned, not for profit, financial corporation. Our Charter is limited to Postal Workers and their families and organizations of such persons. Our Mission is to provide competitive services to meet the needs of the Members and to promote membership growth while maintaining the security of funds.
(315) 785-2400 Lender's profile and map Reviews State CS Employees Federal Credit Union 317 Washington Street, 4th Floor, Watertown, NY, 13601 At State CS Employees FCU, we are more than your average credit union. We take the time to get to know you and understand your needs. Times are tough and we get that. That’s why we’ve provided a whole host of ways for you to save money while enjoying the things you do. We proudly service qualifying members in Clinton, Franklin, Jefferson, Lewis.
(315) 782-0155 Lender's profile and map Reviews Northern Credit Union - NY 120 Factory Street, Watertown, NY, 13601 Back in 1955, a group of New York Air Brake employees founded Northern Federal Credit Union in Watertown, New York. Their goal was to create a safe, secure place where employees could grow their savings and obtain loans at reasonable rates something the existing financial institutions in town weren't providing.
(717) 564-3081 Lender's profile and map Reviews Blue Chip Federal Credit Union 5050 Derry Street, Harrisburg, PA, 17111 Founded in 1948 as RDG Harrisburg Credit Union to serve the financial needs of railroad workers in central PA. In 1976, we changed our name to CenPennRail Credit Union when we amended our charter to include employees of AMTRAK & CONRAIL who worked in central PA. At this time, family relatives of members became an important part of the credit union.
(717) 232-3526 Lender's profile and map Reviews Belco Community Credit Union 449 Eisenhower Boulevard, Suite 200, Harrisburg, PA, 17111 Belco Community Credit Union was organized in 1939 as a federally chartered credit union, serving the employees of Bell Telephone Company of Harrisburg, Pennsylvania. Belco's conversion to a state chartered credit union in 1997 opened the doors to expanding services to other businesses in Central Pennsylvania.
(478) 845-4541 Lender's profile and map Reviews PrimePoint Mortgage LLC 30 East Johnston Street, Suite B, Forsyth, GA, 31029 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.
(334) 291-3000 Lender's profile and map Reviews Bridgeway Credit Union 1810 Opelika Road, Phenix City, AL, 36867 We work toward this by bridging generations, races & communities through education, counseling, hard work & fun. Our name & membership field has changed since that day but our passion has not. We love our community & we strive to see it in it’s best financial state. BRIDGEWAY CREDIT UNION is a company based out of 1810 Opelika Road, Phenix City, AL
(334) 298-0691 Lender's profile and map Reviews Phenix-Girard Bank 801 13th St, Phenix City, AL, 36867 We are a community Bank whose mission is to provide superior service and innovation to our customers Phenix Girard Bank is a Bank with operations in one state. Phenix Girard Bank offers numerous mortgage programs including conventional, non-owner occupied, FHA, VA, USDA and construction mortgages.
(717) 637-4699 Lender's profile and map Reviews Allcredit Home Loans, Inc 228 Baltimore Street, Hanover, PA, 17331 We offer many low & NO down payment financing options.And in many cases the seller can pay part or all of your closing costs so you can purchase a home with not a lot of money.All Credit Home Loans Inc is located in Hanover, PA, USA & is part of the Activities Related to Credit Intermediation Industry. All Credit Home Loans Inc has 2 total employee
(717) 630-9300 Lender's profile and map Reviews Affordable Home Mortgage, Inc. 300 Baltimore Street, Hanover, PA, 17331 Affordable Home Mortgage, Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
(703) 406-8200 Lender's profile and map Reviews Potomac Mortgage Advisors LLC 46169 Westlake Drive, Potomac Falls, VA, 20165 our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
(505) 425-7584 Lender's profile and map Reviews Community 1st Bank Las Vegas 600 Douglas Ave, Las Vegas, NM, 87701 Our Bank will evolve into a more diversified financial entity based on our "customer focus" and abilities to enhance traditional banking services. We will be responsive to customer issues and our services will be product based opportunities that the marketplace demands. Community 1st Bank Las Vegas originally opened on December 17, 1949.