USDA Vs. FHA your options comparison in Dubuque, Dubuque County, IA
In 2026, the USDA loan limit for Dubuque, in the county of Dubuque, IA, is $336,500. Meanwhile, for a single-family home, the FHA loan limit is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate the best current rates between USDA and FHA loans, and determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side to ascertain which program in best fits your financial needs.
2026 Loan Limits and Down Payment Requirements in Dubuque, County of Dubuque, IA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Dubuque, IA
Lendersa® is committed to helping you secure a USDA or FHA loan efficiently and without complications. Begin with one of these three pathways to connect with lenders and USDA loan options:
The USDA home loan, backed by the U.S. Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage. This loan is strictly available in rural neighborhoods. FHA loans mandate a minimum down payment of 3.5%, whereas the USDA mortgage requires no down payment at all.
1200 Associates Drive, Suite 102, Dubuque, IA, 52002
Lends in Iowa
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