For the year 2026, 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 .
2026 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.
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