USDA and FHA Pro and Con in Huxley, Story County, IA

For 2025, the USDA loan cap in Huxley, within Story county of IA, is $336,500. Meanwhile, the FHA limit for a single-family home reaches $472,030.

Leverage the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates. Determine the needed income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA programs side by side, assisting you in choosing the best option for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Huxley, County of Story, IA

Loan Type Loan Limit Initial Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Huxley, IA

Lendersa® aims to quickly and easily secure you the best USDA or FHA loan possible. Choose one of three starting options that align you with matching lenders and available USDA loan programs.

Lendersa USDA loan application and match success

Understanding USDA Loans in IA

A USDA home loan, guaranteed by the government Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA mortgages necessitate no down payment.

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



  • Lennox Employees Credit Union
  • 1004 E Main Street, Marshalltown, IA, 50158
  • Our mission shall be to offer financial services to Lennox Employees, their families, and Select Employee Groups and their families who are credit union members. We will accomplish this by offering on a financially sound, perpetual basis, affordable borrowing and savings opportunities, striving to offer the lowest possible rates on loans.
  • United Bank & Trust National Association
  • 2101 S. Center St, Marshalltown, IA, 50158
  • United Bank & Trust was chartered in 2002 and opened its' doors for business on June 29, 2002. The bank started with only 8 employees, and has grown over the years with the addition of several employees and the opening of our downtown location in 2006. Our independent Board of Directors is comprised of businessmen and women that live and work in ou
  • Pinnacle Bank Iowa
  • 2206 South Center Street, Marshalltown, IA, 50158
  • Pinnacle Bank was first chartered in 1927 in Tama, Iowa, as Tama State Bank. In 1996 the charter was moved to Marshalltown, Iowa. A new main office was then built in Marshalltown in 2005 at 2206 South Center Street. This facility was built to accommodate future growth and to allow for in-house processing and servicing.
  • Home Federal
  • 303 West Main Street, Marshalltown, IA, 50158
  • At Home Federal Savings Bank we are deeply invested in our communities with locations across southeastern Minnesota including Rochester, Austin, Albert Lea, Kasson, La Crescent, Winona, and Spring Valley. In the Twin Cities metro we have a branch in Eagan. Home Federal also has a presence in Iowa with a location in Marshalltown.
  • MEMBERS1st Community Credit Union
  • 910 South 12th Avenue, Marshalltown, IA, 50158
  • Members 1st Community Credit Union is located in Marshalltown, IA, United States and is part of the Depository Credit Intermediation Industry. Members 1st Community Credit Union has 4 employees at this location. There are 7 companies in the Members 1st Community Credit Union corporate family.
  • Peoples Savings Bank
  • 400 East Iowa Avenue, Indianola, IA, 50125
  • Peoples Bank is an independently-owned bank based in Indianola, Iowa, serving communities throughout Warren, Marion and Wayne Counties. Our customers choose us because we put their needs first. We answer the phone when you call and return that call within one business day. Our lenders live and work in our communities
  • Sam Yoder Mortgage Team
  • 2500 W 2nd Ave, Suite 4, Indianola, IA, 50125
  • Journey Mortgage was created to bridge the gap between high end technology and “keeping it local”. We think everyone deserves the opportunity to use the technology that is available at the large lenders and still provide the local presence. We want you to be a friend and customer for life! Let us help you and your family along your journey!
  • WCF Financial Bank
  • 401 Fair Meadow Dr, Webster City, IA, 50595
  • WCF Financial Bank is a locally-committed community bank focused on providing exceptional customer service with quality products and services. After 80 years, WCF Financial Bank has built a reputation of being a locally-committed community bank with locations in Webster City and Independence providing exceptional customer service
  • Grinnell State Bank
  • 814 4th Avenue, Grinnell, IA, 50112
  • Grinnell State Bank (member FDIC) is a locally owned, community bank with branches in Grinnell, Johnston, Marengo & Polk City. Grinnell State Bank is a full-service financial institution & its deposits are insured by the Federal Deposit Insurance Corporation. At Grinnell State Bank, we lend money for a diverse range of commercial.
  • Peoples Bank
  • 116 West State Street, Jefferson, IA, 50129
  • Jefferson Branch is a branch office of Peoples Bank. They provide the following services: Full Service Office Location and are located at 116 West State Street in Jefferson Iowa. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number, online banking website
  • Home State Bank IA
  • 115 West State Street, Jefferson, IA, 50129
  • At Home State Bank, we truly focus on building lasting relationships to benefit our customers and our community. Our success is rooted in both understanding the full needs of our customers in order to provide the best solution every time, and in giving back to and advocating on behalf of our community to keep it as a great place to live.
  • Iowa Falls State Bank
  • 601 Washington Avenue, Iowa Falls, IA, 50126
  • Iowa Falls State Bank was the first bank to reopen in Iowa Falls after the five banks in town were closed by the stresses of the Great Depression. It opened up for business on May 25,First Iowa Falls State Bank 1933, with a capital of $25,000 and a surplus of $5,000. On the first day the bank was opened, deposits of $25,000.