USDA and FHA Pro and Con in Iowa-Falls, Hardin County, IA

As of 2025, 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 .

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2025 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.

Lendersa USDA loan inquiries and alignment results

Understanding USDA Loans in IA

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.

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



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