USDA Vs. FHA Pro and Con comparison in Creston, Union County, IA

In 2025, the USDA loan cap in Creston, located in the county of Union, IA is $336,500. For FHA loans, the limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to contrast the current best rates for USDA versus FHA. You'll also discover the income, credit, reserves, and documentation required for qualification. Our superior mortgage calculator presents USDA, FHA, Conforming, and VA programs side by side, empowering you to select the optimal option for your finances in .

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2025 Loan Limits and Down Payment Expectations in Creston, County of Union, IA

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Possibilities in Creston, IA

The mission of Lendersa® is to swiftly and smoothly secure the ideal USDA or FHA loan for you. Begin with one of the three options that align you with compatible lenders and USDA loan offerings.

Lendersa USDA loan inquiry and matching outcomes

Understanding USDA Loans in IA

A USDA home loan, backed by the government's Department of Agriculture, commonly known as a USDA rural development loan, or USDA mortgage, is specifically for rural regions. Unlike FHA loans, which mandate a 3.5% down payment, USDA loans require no down payment.

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



  • PUD Federal Credit Union
  • 960 Commerce Avenue, Longview, WA, 98632
  • At PUD Federal Credit Union we know you have many great choices in our local area for your financial needs, and we’ll go the extra mile to earn your business. Unlike banks, we are a non-profit which means we return our profits to you, our member-owners, which means better rates, lower fees and special discounts.
  • Mint Valley Federal Credit Union
  • 3325 Washington Way, Longview, WA, 98632
  • Mint Valley Federal Credit Union will be a financial cooperative committed to providing quality financial services to its members. We will operate primarily within the region, but will service members beyond this area through their places of work, by phone, or by mail as required.
  • Lower Columbia Longshoremen's Federal Credit Union
  • 629 14th Avenue, Longview, WA, 98632
  • Lower Columbia Longshoremen's FCU exists to provide each member with personal, professional, convenient and competitive financial services. Once you join your family members are eligible, too. This includes grandparents, parents, spouses, siblings, grandchildren, and children, they can extend the membership opportunity to their family members, too.
  • Red Canoe Credit Union
  • 1418 15th Ave, Longview, WA, 98632
  • We're passionate about helping our members achieve their financial dreams. We're dedicated to hiring passionate, knowledgeable, and dependable individuals who are service-oriented and attentive to detail. If you're looking for a rewarding career in the financial industry and enjoy providing excellent customer service.
  • Life Mortgage
  • 842 Washington Way, Suite 110, Longview, WA, 98632
  • Mann Mortgage has been helping home buyers turn their dream of homeownership into reality for 30 years. We offer a variety of home loan solutions, including FHA, VA, Conventional, FHA 203k (Rehab) financing, USDA, low FICO loan options, investor loans, first time home buyer loans and more. Please select a loan type from the options below to learn
  • Fibre Federal Credit Union
  • 822 Commerce Avenue, Longview, WA, 98632
  • Fibre Federal Credit Union was founded in 1937. Sixty-three employees of Longview Fibre Company deposited a combined $315 for the purpose of making affordable loans available to credit union members. Over the decades, we have grown to become one of the Lower Columbia region’s largest credit unions.
  • Pacific Funding Group
  • 70 Eagle Rock Way, Suite A, Brentwood, CA, 94513
  • Pacific Funding Group is Mortgage Company that provides Purchase and Refinance loans in the state of California. With branches in Brentwood and Walnut Creek CA, we have hundreds of Loan Programs to serve you including VA Loans, FHA Mortgage Loans, Conventional Mortgage Loans, Jumbo Mortgage Financing and our own in-house mortgage loan products.
  • REInspired Home Loans
  • 541 Montana Street, Brentwood, CA, 94513
  • Your Dream House is out there just waiting for you. With the mix of Search Tools you'll find - You have the ability to effortlessly search listings, save searches, and properties for future visits. The House you've always imagined is only one click away! Let Kristine Messa get you Pre-Approved so that you can find your dream home!
  • SC Realty
  • 2252 Putter Court, Brentwood, CA, 94513
  • SC Realty is a locally-owned brokerage company, focusing on residential financing and sales. We are proud to offer a full-service experience for all your residential real estate needs. At SC Realty, we are a one-stop shop whether you are selling, buying, refinancing, or looking to obtain a new loan.
  • Paragon Estates
  • 1837 Tanglewood Lane, Brentwood, CA, 94513
  • We pledge to be in constant communication with our clients, keeping them fully informed throughout the entire buying or selling process. We believe that if you’re not left with an amazing experience, we haven’t done our job. We don’t measure success through achievements or awards, but through the satisfaction of our clients.
  • All California Lending
  • 1145 2nd Street A262, Brentwood, CA, 94513
  • All California Lending specializes in hard money lending and commercial loans. We have been in the real estate lending business for many years, specializing in hard money lending for most of that time. It is due to this niche specialization that we are able to help so many of our clients.