As per 2026, the USDA loan limit in Iowa-City, situated in Johnson county, IA, amounts to $285,000, whereas for a single-family residence, the FHA limit is placed at $356,362.
Utilize the Lendersa® USDA loan calculator to explore today's optimal USDA versus FHA rates, determining the necessary income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator places USDA, FHA, Conforming, and VA loans side-by-side, aiding your choice of the best plan for your financial context in .
2026 Loan Limits and Down Payment Requirements in Iowa-City, Johnson County, IA
Loan Type
Limit Amount
Initial Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Alternatives in Iowa-City, IA
Lendersa® aims to help you acquire either a USDA or FHA loan quickly and with ease. Start with one of three pathways that connect you with lenders and USDA loan options.
A USDA home loan is guaranteed by the government’s Department of Agriculture, also known as the USDA rural development loan or mortgage. It's specifically for rural areas. FHA loans, in comparison, require at least a 3.5% down payment, whereas the USDA loan requires none.
4140 Thielman Lane, Suite 105, Saint Cloud, MN, 56301
Stearns Financial Services Inc. (SFSI) is a well-capitalized, $2.3 billion independent financial holding company based in St. Cloud, MN. Founded in 1912, the bank was acquired by Norm Skalicky in 1964. His daughter Kelly Skalicky became president in 2018, and later was named president and CEO.
1532 West St. Germain Street, Saint Cloud, MN, 56301
Great River Federal Credit Union is dedicated to serving all members in a confidential and professional manner. We are in business to provide you with convenient and efficient financial services. Our mission is "Building lifelong relationships by providing valuable financial services that our members recommend, benefits the community.
Since 1939, Liberty has been providing quality financial services to Central Minnesota residents. As St. Cloud’s only remaining original bank with continuous family-ownership, we recognize our unique obligation to provide quality service on a first name basis. Our focus is providing retail banking services to individual customers.
606 25th Ave South, Suite 101, Saint Cloud, MN, 56301
"St. Cloud Mortgage, Inc. can give you an affordable mortgage with outstanding customer service during the entire process.
Same-Day Pre-Approvals Refinance Options Credit Assistance Mortgage Brokerage Variety of Home Loan Programs. With all of our home loan programs at St. Cloud Mortgage, Inc."
Granite City Mortgage has been in Business since April of 1996 serving the local Saint Cloud area and surrounding communities. Granite City Mortgage of St. Cloud offers a variety of mortgage programs, including:* Conventional loans* Government loans* No up-front fees* Zero down programs* Refinancing* Home equity loans* Debt consolidation.
Landmark National Bank’s roots trace back to April 22, 1885, when it was originally chartered under the name Manhattan Buildings & Savings Association. As our bank’s footprint has expanded over the last century, our name has changed to reflect the growing number of communities we serve throughout Kansas and beyond.
Since 1977, Peoples Community Bank has served the communities of southern Missouri. For more than 40 years, we’ve helped families build homes, businesses achieve success, and farmers finance growth. By staying true to our mission and our values, we have built the knowledge and trust needed for continued success.
The Williamson County Catholic Credit Union is a member owned financial cooperative.
We serve the Catholic communities in Williamson County by providing competitive loans and savings in a friendly atmosphere while maintaining long term financial stability.
St. Joseph's Credit Union of Marion was chartered on November 3, 1952
