USDA and FHA Pro and Con in Monticello, Jones County, IA
In 2026, the USDA loan limit within Monticello, county of Jones, IA is established at $336,500, while the FHA limit for a single-family residence is $472,030.
The Lendersa® USDA loan calculator offers a way to compare today's optimal USDA and FHA rates, assisting with determining the needed income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting in finding the most fitting program in for your financial needs.
Determining 2026's Loan Limits and Down Payment Needs in Monticello, County of Jones, IA
Loan Type
Maximum Limit
Initial Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Alternatives in Monticello, IA
The aim of Lendersa® is to quickly secure the most advantageous USDA or FHA loan for you, with ease. Begin with one of three initial steps to discover lenders and USDA loan options.
A USDA home loan, backed by the U.S. Department of Agriculture, often known as a USDA rural development loan or mortgage, is available specifically in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, no down payment is needed for USDA loans.
Citizens State Bank, with assets over $400 million, is one of the largest financial institutions in the state of Iowa. We operate seven banking offices & 12 ATMs in four Iowa counties. Citizens State Bank provides a full line of banking, brokerage, insurance, investment, mortgage, income, trust & payment service products to consumers & businesses.
At The Exchange State Bank, we enjoy being a banking option for people from all walks of life. Serving the communities of Springville and Martelle and their surrounding areas, we work with customers with a variety of banking needs. The Exchange State Bank Offering a variety of banking services, from deposit accounts and online banking services.
F&M Bank was established in 1925 in Manchester, Iowa. F&M Bank continues to be a locally owned and operated financial institution. In 1994, F&M Bank expanded into the Cedar Rapids metro market area and in 2004, established an office in Anamosa. In 2010, F&M became an interstate bank with the addition of the Vadnais Heights.
"Mount Vernon Bank & Trust Company adheres to these values by providing personal and business banking customers the banking services they need with the quality service they deserve. Because Mount Vernon Bank & Trust Company works locally, financial decisions, large and small, can be made quickly to improve your banking experience.
Community Bank with locations in Mechanicsville, Mount Vernon & Solon Iowa. Bridge Community Bank is happy to help you with all your banking needs, from deposit accounts, IRA, CDs, business products, commercial & personal loans, mortgage loans, to our BCB Investment Services. Along with banking business,
American Trust & Savings Bank is a bank with operations in one state. American Trust & Savings Bank offers numerous mortgage programs including conventional, FHA, FHA 203(k), VA, USDA and construction mortgages. American Trust & Savings Bank is a FREEandCLEAR Certified Gold Low Rate Lender and Technology All Star.
As a locally owned bank, Maquoketa State Bank is in touch with the community we serve and is responsive to the financial needs of our cuWe work hard to provide innovative solutions that give our customers, our neighbors, employers and friends, a safe and secure financial future...
3535 Center Point Road NE, Cedar Rapids, IA, 52402
Lends in Iowa
Quaker Oats Credit Union is a full-service financial institution for the employees, retirees, and family members of the Quaker Oats Company, Tree House Foods, PMX Industries, Circle Computer Resources, CCB Packaging, and Trapeze Group. Quaker Oats Credit Union is a member-owned financial institution dedicated to serving its members.
Hills Bank has grown to become one of Iowa's largest independent banks. We have achieved this growth the old fashioned way — by earning our customers' respect, one at a time.
Hills Bank was founded on the principle that banks should care about the people they serve and provide ways to help them prosper.
