USDA Vs. FHA Pro and Con comparison in Pleasant-Hill, Polk County, IA
For 2026, in Pleasant-Hill, county of Polk, IA, the USDA loan limit is $285,000 and the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate current USDA versus FHA rates. Identify the income, credit, reserves, and documentation needed for qualification. Our comprehensive mortgage calculator shows USDA, FHA, Conforming, and VA options, assisting you in deciding the best financial plan for your needs in .
2026 Loan Limits and Down Payment Requirements in Pleasant-Hill, County of Polk, IA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Pleasant-Hill, IA
Lendersa® aims to efficiently and smoothly secure for you the most suitable USDA or FHA loan. Choose from three starting options that facilitate matching with lenders offering USDA loan programs.
A USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment.
Iowa State Bank is proud to have called Des Moines home for 80 years. Our mission is to serve customers, prosper, have fun and remain an independent bank. We are confident you will find that Iowa State Bank is able to provide the perfect mix of convenience banking and traditional services.
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