USDA and FHA Pro and Con in Des-Moines, Polk County, IA
For the year 2025, the USDA loan ceiling in Des-Moines, within Polk county, IA, is designated as $285,000. In contrast, the FHA loan ceiling for a single-family dwelling is $356,362.
Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA rates and ascertain the eligibility criteria, including income, credit score, reserves, and required documentation. Our sophisticated mortgage calculator presents a parallel comparison of USDA, FHA, Conforming, and VA loans, facilitating your decision on the optimal program available in .
2025 Loan Ceilings and Down Payment Requisites in Des-Moines, Polk county, IA
Loan Category
Loan Cap
Initial Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Opportunities in Des-Moines, IA
Lendersa®'s intention is to ensure you obtain a USDA or FHA loan quickly and with minimal difficulty. Begin by selecting from three methods that align you with lenders and USDA program options.
The USDA home loan program, sanctioned by the U.S. Department of Agriculture, is otherwise known as a USDA rural development mortgage, tailored for rural locales. The USDA loan requires no down payment, unlike FHA loans, which mandate a minimum of a 3.5% down payment.
Our Company, Mortgage Professionals Corp. was started in 1991 and over the years, we have helped thousands of clients to obtain a mortgage both on purchases as well as refinances. Since we are Mortgage Brokers we have a database of several lenders, Bankers, Investors and private lenders and we cater in helping all types of clients.
DML Mortgage was founded by David M. Lichtman. With over 15,000 loans closed, DML Mortgage has assisted many people in achieving their dream of home ownership.For more than 25 years in business, Mr. Lichtman has always stood for persistence, honesty and integrity. DML Mortgage provides Fixed Range Mortgage 30,20,15 Years Conforming, Jumbo Mortgage
NY TEAM Federal Credit Union is a full-service, federally insured credit union. With 3 conveniently located offices, we provide a variety of financial services, and we’ve been doing it since 1969! Created by rail road employees for rail road employees and their families.
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We are a Mortgage Brokerage Firm doing buisness in NY, NJ, FL & CT. Sean Basit, Founder & CEO has over 20 years experience in Real Esate & Mortgages.USN Mortgage Inc offers various types of loan programs through many approved lenders such as but not limited to FHA,VA, Reverse Mortgages,Conventional Loans,High Balnce Loans, Jumbo & Super Jumbo Loans
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The SoundView Financial Credit Union is a member-owned financial cooperative. Members of the Credit Union include those who live, work, worship, or volunteer in the Connecticut counties of Fairfield and Litchfield, all P&G/Gillette/Duracell employees, as well as employees from other member companies in the greater Danbury area.
Western CT Federal Credit Union (WCFCU) is a member-owned, not-for-profit, financial cooperative based in Bethel, Connecticut. WCFCU is a customer-centric credit union focused on creating a positive financial experience by delivering personalized service along with technology-oriented features to meet the needs of members.
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