USDA VS FHA in Clear-Lake, Cerro Gordo County, IA

In 2025, USDA loan limit in Clear-Lake, county of Cerro Gordo, IA is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Clear-Lake, county of Cerro Gordo, IA

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Clear-Lake, IA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

  1. The ultimate request with USDA/FHA loan optimization
  2. Find USDA and FHA rates & terms before anything else<
  3. Search the largest database of USDA loans lenders
Lendersa USDA loan request and matching results

What is USDA Loan in Iowa?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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




  • Peak Mortgage Solutions
  • 11609 Shoshone Way, Westminster, CO, 80234
  • At Peak Mortgage Solutions, where we specialize in residential mortgages. At Peak Mortgage Solutions, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • FBT Bank & Mortgage
  • 200 West Fourth Street, Fordyce, AR, 71742
  • In 1931, FBT Bank & Mortgage began as a full-service bank under the name Fordyce Bank & Trust. Our bank started with its focus on simplifying our customers’ lives and has continued to do for more than 80 years. We opened our doors to provide banking options in an area in need of economic stimulus and to offer services that filled a void in the sout

  • Alliance Home Mortgage
  • 583 W Laurel Rd, Suite 4, London, KY, 40741
  • At Alliance Home Mortgage Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We are partnered with a very large lender in Polaris Home Funding

  • The State Bank
  • 124 Colorado Street, La Junta, CO, 81050
  • The State Bank is a financial institution located in La Junta, Colo. The bank offers a wide variety of checking and investment products and services to customers. It provides various checking products, including free checking, financial connection, Rediclub, business management and corporate accounts.

  • Otero County Teachers' Federal Credit Union
  • 316 Santa Fe Avenue, La Junta, CO, 81050
  • Otero County Teachers’ Federal Credit Union of La Junta, CO has been providing those in the education field with the means to achieve their financial goals. With a membership roster that sports 1,007 members and assets of $4 million, we are trustworthy, reliable, and ready to make you a member.

  • The Colorado Bank & Trust Company
  • 301 Colorado Ave, La Junta, CO, 81050
  • At Colorado Bank & Trust Company, we believe the customer always come first. No voice mail for our customers – every call is answered by an employee specially trained to get you the answers you need! The Bank opened its first branch in Pueblo, Colorado, on January 19, 2006. The new branch was built on the “Mesa” in eastern Pueblo.

  • Liberty Bank (Ohio)
  • 314 Park Ave, Ironton, OH, 45638
  • Liberty Bank traces its history back to the decade preceding the "Gay Nineties" when a group of Ironton businessmen and workingman formed a "Terminating" type of building and loan association, chartered as "The German American Workingmen's Building Association." A certain number of men subscribed to shares

  • First & Peoples Bank and Trust Company
  • 1001 Deidrich Boulevard, Russell, KY, 41169
  • We are a community bank located in Greenup County, Kentucky. We offer traditional banking services including deposit accounts and loans. We recently partnered with MasterCard for our First & Peoples Bank and Trust Company credit card. We also provide Estate Planning, Trust Administration, Custodial/Managed IRA accounts.

  • Southwest Oklahoma Federal Credit Union
  • 1806 NW Liberty Avenue, Lawton, OK, 73507
  • Southwest Oklahoma Federal Credit Union has been proudly serving the financial needs of our members and neighbors since 1958. It’s our mission to offer our members financial services with technology that fulfill their needs and busy life’s on the go. Service that exceeds their expectations

  • Denver Mortgage Pros
  • 1633 Eudora St, Denver, CO, 80220
  • 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.

  • Omega Funding
  • PO Box 200862, Denver, CO, 80220
  • Omega Funding, Inc has been providing working capital to business owners since 1997. We can underwrite and fund directly out of our own money or use our network of private investors, non bank sources, and private capital firms. This makes us an invaluable resource in obtaining the best financing alternative for your growing business Over the 15 ye

  • Journey Home Lending
  • 10200 E. Girard Ave, Suite B321, Denver, CO, 80231
  • Journey Home Lending Our team will provide the highest level of expertise to quickly guide you through the entire process of finding the best home purchase options or refinancing options for your new mortgage. Transparency and Integrity define our work ethic, and we help guide with options so you can make informed decisions
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