As of 2026, for Iowa-Falls in Hardin county of IA, the USDA loan limit is $285,000. In contrast, the FHA cap for a single-family home is $356,362.
Utilize Lendersa® USDA loan calculator to compare today’s leading USDA versus FHA rates. Understand the income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator offers side-by-side comparisons of USDA, FHA, Conforming, and VA loans, to help you determine the best option for your financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Iowa-Falls, County of Hardin, IA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Iowa-Falls, IA
The objective of Lendersa® is to efficiently provide you with the best USDA or FHA loan. Begin by choosing one of the three starting paths that connect you with suitable lenders and USDA loan programs.
A USDA home loan, endorsed by the government’s Department of Agriculture and also called a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA mortgages require none.
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.
Security State Bank (SSB) is one of the oldest banks in Iowa. On July 1, 1884 the Bank of Radcliffe was the 1st Bank to be established in Radcliffe, Iowa. In 1914, the bank was incorporated & the name was changed to Security State Bank. We are proud to be celebrating over 135 years of community service to the Hardin, Hamilton, & Story County areas.
Peoples Savings Bank has its origins in both Cleves and Wellsburg, Iowa. The Cleves Savings Bank started January 25, 1912, and then later changed its name to Security Savings Bank. In July 1934, the board and the stockholders of the bank wanted to reorganize and have the main bank in Wellsburg while maintaining a bank in Cleves.
GNB Bank is proud to be a locally and employee owned, community bank with a focus on friendly, personal service from people you know and trust. We take care of the communities we serve – families, small businesses, local agriculture – and we care about you! I invite you to sample the financial services we offer, from loans, insurance
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The Iowa State Bank website. Here at Iowa State Bank we pride ourselves on providing that small community bank atmosphere with large bank products and services. We are locally owned and operated and committed to serving all your financial needs. and also Iowa State Bank and its employees are willing to work for you, and with you.
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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.
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