In 2025, the USDA loan ceiling in Clear-Lake, located within the county of Cerro Gordo, IA, is $285,000. On the other hand, the FHA limit for single-family homes is set at $356,362.
Take advantage of the Lendersa® USDA loan calculator to help you compare the best current rates between USDA and FHA. By determining the income, credit score, reserves, and paperwork needed for qualification, our state-of-the-art mortgage calculator offers a comprehensive view of USDA, FHA, Conforming, and VA options side by side, ensuring you identify the best choice for your financial status in
Review loan offers from a network of 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The primary aim of Lendersa® is to facilitate your acquisition of the most advantageous USDA or FHA loan quickly and with minimal fuss. Start by choosing one of three paths that will connect you with compatible lenders and available USDA loan programs.
A USDA home loan, guaranteed by the U.S. government's Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is tailored for rural communities. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans are notable for not needing any down payment, making them highly advantageous for eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
|
|
|
|
|
|
|
|
|
|
|
|
Bridge Loan Guides
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
