USDA and FHA Pro and Con in Harlan, Shelby County, IA
For 2026, the USDA loan cap in Harlan, county of Shelby, IA is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.
With Lendersa® USDA loan calculator, compare the leading USDA versus FHA rates to establish the necessary income, credit, reserves, and paperwork needed for eligibility. Our advanced mortgage tool shows USDA, FHA, Conforming, and VA options side by side, aiding you to determine which program in best fits your financial needs.
2026 Loan Limits and Down Payment Requirements in Harlan, County of Shelby, IA
Type of Loan
Maximum Loan Limit
Initial Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Harlan, IA
Lendersa® aims to efficiently secure you the best USDA or FHA loan without hassle. Choose from one of three initial routes that will guide you to match with lenders and explore USDA loan offers.
A USDA home loan is guaranteed by the government via the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, and is available in rural neighborhoods alone. Unlike FHA loans requiring a minimum 3.5% down payment, USDA mortgages demand no down payment.
Town and Country Credit Union has been a member-owned financial institution since 1939. Father Duren, of St. Boniface Church, Westphalia, started the credit union in 1939. Town & Country Credit Union now operates two branches in Harlan and Avoca, IA. Town & Country Credit Union is a community credit union.
Since 1880, SCSB has delivered financial services with our mission of building relationships that promote family, service, and community. we offer all the personal and business services you need with a local, knowledgeable staff eager to provide you with personal attention and excellent customer service.
Landmands Bank began in 1909. At Landmands Bank you are a face and a name, not a number or a quota. As we work diligently to provide you with personal service, we recognize that our success depends on your success. That's why we strive to provide you with quality financial products
The First Whitney Bank, founded in 1907, has a history of growth and progress with Atlantic and the surrounding community’s for over 100 years. In 1968, the Bank’s name was officially changed to First Whitney Bank & Trust, and moved to their present location at 3rd and Chestnut Streets.
Community Bank is a full service commercial banking institution providing modern financial services while maintaining the integrity of a "hometown" bank where decisions are made locally. Community Bank takes pride in having served the 4-County area since 1926. The headquarters of Community Bank is at 601 Iowa Ave., Dunlap, IA 51529.
Templeton Savings Bank is a family owned community bank that was established in 1923. As we approach 100 years in business, we look forward to continuing to provide banking products and services. Templeton Savings Bank has had a long tradition of helping customers reach their financial goals.
The Crawford County Trust and Savings Bank began in 1927, and we haven't changed our name since. At Crawford County Trust and Savings Bank you are a face and a name, not a number or a quota. As we work diligently to provide you with personal service, we recognize that our success depends on your success
Westside State Bank first opened the doors of our Westside, Iowa location in 1906. Since those early days, we've been dedicated to offering the conveniences and value of a big bank, while still maintaining the integrity and charm of a community bank — where decisions are made locally and interactions are handled by people you know and trust.
TS Bank we are all about community prosperity and much of this vision has helped to attract and retain talented and committed employees. Due to our Chairman of the Board, Mick Guttau's military experience, one of the concepts implemented at the bank was "the troops come first." Mick has a famous quote which really exemplifies the entire culture
