USDA and FHA Pro and Con in Jefferson, Greene County, IA
In 2026, within Jefferson in the county of Greene, IA, the USDA loan ceiling is set at $336,500, whereas the FHA cap stands at $472,030 for single-family properties.
By using the Lendersa® USDA loan calculator, you can compare the current USDA and FHA rate offerings, assessing the requirements for income, credit, reserves, and documentation necessary to qualify. Our comprehensive mortgage calculator allows a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in determining the most suitable program in for your distinct financial circumstances.
2026 Loan Ceilings and Down Payment Needs in Jefferson, County of Greene, IA
Loan Category
Max Amount
Initial Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Lending Possibilities in Jefferson, IA
The ambition of Lendersa® is to promptly help you obtain the most favorable USDA or FHA loan with minimal difficulty. You can choose one of three entry points that match you with lenders and USDA loan offerings.
A USDA home loan, endorsed by the U.S. Department of Agriculture, often termed as a USDA rural development or USDA mortgage loan, is accessible exclusively in rural areas. Unlike FHA loans which necessitate a 3.5% minimum down payment, USDA loans require none.
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
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.
The history of our Bank dates back to April 25, 1914, in the small community of Slifer, Iowa, when a small group of farmers met and decided a bank was needed in the area. As a result, they organized and chartered Slifer Savings Bank. Having survived the depression of the early thirties, the Bank was relocated to Farnhamville on June 1, 1934
Ever since our founding in 1931, Guthrie County State Bank has combined personal service with the latest in technology to make it easier, safer and more convenient for customers to manage their finances. We continue that tradition in the 21st century with a suite of high-tech products and services.
Iowa Savings Bank We appreciate the time you are taking to learn more about one of the most reputable and strongest local banks in Western Iowa. We believe it is important first of all to serve the needs of our customers whether it be as a safe haven for their funds or as a source of funds for public, business, family and personal needs.
Since 1870, Availa Bank has been providing Iowans with high quality financial products and services to fit their needs. With such a rich history, you can be sure we have the service and expertise you’re looking for in a financial institution. We have something for all your needs, whether you want to take out a loan.
Commercial Savings Bank is a locally-owned community bank that has been serving the financial needs of Carroll County residents for over 100 years. The bank was founded in 1917 with capital of $25, 000 and three employees. The local ownership and management continue to be the foundation of the bank's strength and define its unique character.
Boone Bank & Trust Co. is owned by Ames National Corporation (ANC) and is the largest locally owned bank in Boone County. The bank first began in 1883 making us one of the oldest banks within the ANC organization. In 1883 the bank was organized under the name of Boone County Bank. The bank operated until 1911 when it was sold.
Templeton Savings Bank is a family owned community bank that was established in 1923. As we approach 100 years in business, we look forward to continuing to provide banking products and services. Templeton Savings Bank has had a long tradition of helping customers reach their financial goals.
