USDA Vs. FHA your options comparison in Independence, Buchanan County, IA
In the year 2025, within the city of Independence in the county of Buchanan, IA, the USDA loan cap stands at $336,500, while the FHA ceiling for a single-family dwelling is $472,030.
Employ the Lendersa® USDA loan calculator to contrast today’s leading USDA and FHA rates and deduce the income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, aiding your decision on the most suitable program in for your specific financial need.
2025 Loan Limits and Down Payment Needs in Independence, County of Buchanan, IA
Loan Type
Loan Cap
Initial Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Financing Options in Independence, IA
The mission of Lendersa® is to provide you with the most effective USDA or FHA loan swiftly and with little hassle. Start by choosing one of the three pathways that align you with matching lenders and USDA loan alternatives.
A USDA home loan, backed by the Department of Agriculture (commonly known as the USDA rural development loan or USDA mortgage), is available solely in rural areas. In contrast to FHA loans demanding a minimum down payment of 3.5%, the USDA mortgage requires zero down payment.
Canopy Mortgage we have a passion for finding a simpler, faster, less expensive way to close a mortgage loan. By combining our proprietary mortgage technology with the best Loan Officers in the industry we provide our customers with a fast, smooth, transparent and inexpensive mortgage experience
Arizona Federal provides consumer & small business banking services to more than 145, 000 members throughout AZ. Arizona Federal is a locally-owned, not-for-profit financial cooperative that provides banking services. Arizona Federal's mission is to develop and serve an empowered membership through the delivery of financial services and expertise.
"Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.
You will find that the skill, professionalism, & consideration we give to each of our clients."
"We are actively taking in and closing Investment loans during the Corona Virus Crises in spite of many Lenders stepping back and withdrawing funding till the market corrects.
REI is working closely with Investors who have in house funds and have not been affected by the shutdown."
Landings Credit Union has been making a difference in the lives of our members and the communities we serve for more than 65 years. With that time comes both the experience and expertise of a big bank but with the sensibilities of a small business. We understand that banking needs aren’t a one size fits all type of thing
We understand that the purchase of your home is most likely the largest and sometimes most daunting financial decision you'll ever make. That's why we recognize the importance of the right financing. Not only do you want to be assured that you're financing at the best interest rate, you also want the pre-approval, application
Lender Estimate Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
64 East Broadway Road, Suite 200, Tempe, AZ, 85282
Lending Studios was created because we believe customers are being underserved believing only large banks or lending institutions have the best options to serve them. More times than not, banks are highly limited in what they can provide, who they can provide it to, and are unjustly priced high because they are so focused on regulation.
