In 2026, if you're in Osceola, within Clarke county of IA, the USDA loan limit is $336,500. Meanwhile, the FHA loan cap for a single-family house is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the leading USDA versus FHA rates today and identify the income, credit, reserves, and documentation necessary to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping you to decide which program in aligns best with your financial needs.
2026 Loan Limits and Down Payment Needs in Osceola, County of Clarke, IA
Type of Loan
Maximum Loan Limit
Down Payment Requirement
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Osceola, IA
Lendersa® aims to swiftly and smoothly procure the best possible USDA or FHA loan for you. Choose from three initial routes that help connect you with lenders and explore USDA loan offerings.
USDA home loans, underwritten by the Department of Agriculture and also called USDA rural development loans or USDA mortgages, are available exclusively in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages demand no down payment.
Peoples Bank is an independently-owned bank based in Indianola, Iowa, serving communities throughout Warren, Marion and Wayne Counties. Our customers choose us because we put their needs first.
We answer the phone when you call and return that call within one business day. Our lenders live and work in our communities
Journey Mortgage was created to bridge the gap between high end technology and “keeping it local”. We think everyone deserves the opportunity to use the technology that is available at the large lenders and still provide the local presence. We want you to be a friend and customer for life! Let us help you and your family along your journey!
Union State Bank is a full service Iowa chartered bank established in 1934. We are a family owned independent bank serving individuals, businesses, and farmers in Madison, Dallas, Polk and surrounding counties. Union State Bank prides itself on being a community bank seeking to meet all the personal and business needs of the market area we serve.
First National Bank is a $382 million community bank that offers a full line of business, agricultural, mortgage, consumer deposit and lending services as well as wealth management services. First National Bank has offices located in Creston, Afton and Shenandoah. Visit www.fnbc.bank/about/locations to find a location near you! Member FIC.
"Journey Credit Union's friendly staff is here to serve all your financial needs.
It shall be the mission of Journey Credit Union to benefit all members by: promoting thrift and encouraging regular savings; offering loans at reasonable rates of interest; providing personal, professional and confidential services to all members;"
3580 Ep True Pkwy West Des, West Des Moines, IA, 50265
Lends in Iowa
At Midwest Heritage, a Hy-Vee company, is a full service financial center offering banking, investments and insurance.
We believe that your time is important. That’s why we offer extended business hours, seven days a week at our six in-store Hy-Vee locations. We also offer two branch locations in West Des Moines and Chariton, Iowa.
4800 Mills Civic Parkway, Suite 100, West Des Moines, IA, 50265
Lends in Iowa
The State Savings Bank mission begins with you because without you, there would be no we! We come to work each day for you— to listen to your financial goals, to understand your financial problems, and to offer guidance, advice and solutions that meet your goals. Safety, timeliness, fairness, trust, quality products and services are essential.
Earlham Savings Bank is prepared for that future and still stands stronger than ever. A commitment to remembering where we have come from, the simple principals of thinking of our customers first and treating people with fairness and respect remain. It is by these standards we continue to grow and serve Central Iowa.
1255 Jordan Creek Parkway, West Des Moines, IA, 50266
Lends in Iowa
Freedom Financial Bank is a community bank committed to building relationships through professional, personal service. We give you the powerful tools of a major financial institution, the convenience of a one-stop financial resource, and the responsiveness of a local bank. As a local bank, Freedom Financial Bank chartered in 1999.
