USDA and FHA Pro and Con in Clive, Polk County, IA
For the year 2026, the USDA loan limit in Clive, located in Polk county, IA, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA competitive rates. It also helps determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans placed side by side, assisting you in choosing the best suited program for your financial needs in .
2026 Loan Limits and Down Payments in Clive, Polk, IA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Opportunities in Clive, IA
The primary aim of Lendersa® is to quickly secure you the best possible USDA or FHA loans without any complications. You can choose from three initial methods to align with lenders and explore USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the governmental Department of Agriculture. It is specifically available in rural areas and, unlike FHA loans which require a down payment of at least 3.5%, a USDA mortgage does not require any down payment at all.
Independent Mortgage is one of Iowa's oldest mortgage banking firms. We have decades of mortgage industry experience that allows us to help you find the loan that is best for your unique situation. Through our main office in Urbandale, Iowa, we can serve the entire State of Iowa.
The credit union was started in 1933 and we’re member-owned not-for-profit financial cooperative which allows us to pass on lower loan rates and higher dividends to our member-owners. You qualify for membership at Midland Credit Union if you live or work in Polk or a contiguous county; Adair, Adams, Audubon, Boone, Cass.
With over 20 years of helping Iowans find home loans with low interest rates under our belts, our role in your home buying experience is much more than simply finding you the right mortgage. We’re here to help you explore your options, understand each thoroughly, and choose the best option for your future.
FHA mortgage loans are an attractive mortgage solution for a purchase or refinance because today's FHA mortgage rates are near historic lows. The guidelines are also flexible allowing more people to qualify. Whether you have had credit issues in the past or are simply looking to limit your down payment to 3.5%,
Earlham Savings Bank is prepared for that future and still stands stronger than ever. A commitment to remembering where we have come from, the simple principals of thinking of our customers first and treating people with fairness and respect remain. It is by these standards we continue to grow and serve Central Iowa.
1255 Jordan Creek Parkway, West Des Moines, IA, 50266
Lends in Iowa
Freedom Financial Bank is a community bank committed to building relationships through professional, personal service. We give you the powerful tools of a major financial institution, the convenience of a one-stop financial resource, and the responsiveness of a local bank. As a local bank, Freedom Financial Bank chartered in 1999.
West Bank is a community bank that provides full-service banking & trust services to businesses and consumers. The company conducts business in metropolitan Des Moines & Coralville, Iowa and SE Minnesota and also West Bank employees place a high priority on community involvement, lending their time.
Splice Funding Solutions is a full service loan lending entity specializing in the arranging, placement, funding, and brokering of commercial loans nationwide. In addition, Splice Funding Solutions offers consulting services to entities or individuals looking to arrange financing for a broad range of commercial projects.
