In 2025, the USDA loan limit established in Osage, within the county of Mitchell, IA, is $336,500, while the FHA loan cap for a single-family home is set at $472,030. These limits define how much you can borrow under these specific programs, impacting your financing options.
Utilize the Lendersa® USDA loan calculator to assess the current best rates for USDA and FHA loans. This tool provides clarity on the required income, credit, and reserves, as well as the documentation needed to qualify. Employing our comprehensive mortgage calculator, you can simultaneously view USDA, FHA, Conforming, and VA plans side by side, empowering you to select the most suitable option in
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| Loan Variety | Maximum Loan Limit | Minimum Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conforming | $726,200 | 3% |
The aim at Lendersa® is to swiftly connect you with the most advantageous USDA or FHA loan, simplifying the process for ease and efficiency. You can begin this journey by selecting any of the three starting options that align you with lenders and uncover suitable USDA loan programs.
A USDA home loan is supported by the U.S. government through its Department of Agriculture, popularly termed as the USDA rural development loan or USDA mortgage. This is an opportunity available only to those in rural areas. Unlike with FHA loans which require at least a 3.5% down payment, a USDA loan does not mandate any down payment. This distinctive feature significantly enhances the access and appeal of USDA loans to eligible rural homeowners, providing them with a reliable option that reduces initial financial barriers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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