USDA VS FHA in Harlan, Shelby County, IA

For 2025, 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.

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2025 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.

Lendersa USDA loan queries and matching results

Understanding USDA Loans in IA

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.

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



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