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.
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