In 2026, the USDA loan limit for Mason-City, within Cerro Gordo county, IA, is $285,000, while the FHA limit for a single-family residence is $356,362.
Employ the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the optimal program for your financial needs in
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| Loan Type | Limit | Down Payment |
|---|---|---|
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to help you secure the best USDA or FHA loan quickly and effortlessly. Begin with one of three pathways that align you with lenders and USDA loan programs.
A USDA home loan, also known as a rural development loan, is guaranteed by the U.S. Department of Agriculture. These loans are intended for rural areas and do not require a down payment, unlike FHA loans which require at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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