In 2026, the USDA loan limit in Polk-City, county of Polk, IA is $285,000. For a single-family home, the FHA limit is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today’s top USDA against FHA rates, evaluating the required income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the most suitable program for your financial scenario in .
2026 Loan Limits and Down Payment Needs in Polk-City, County of Polk, IA
Loan Type
Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Polk-City, IA
The aim of Lendersa® is to quickly and effortlessly secure you the best USDA or FHA loan. Choose one of three initial steps that connect you with matching lenders and USDA loan offerings.
A USDA home loan, guaranteed by the government’s Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans require no down payment.
Community Choice, we UNbank. That means doing things the big banks won’t. We’re a member-owned cooperative that was established and continues to operate on the principal of members helping members. We’re not owned by a holding company or some crazy, faceless conglomerate. We’re owned by over 50, 000 Iowans that are just like you.
In 2009, PLA began building its partnerships with credit unions throughout the Midwest. We are wholly owned by a credit union to serve our partnering financial institutions and their members. PLA is an Iowa mortgage CUSO providing mortgage loan products and services to credit unions .
Open Mortgage is a fast-growing national multi-channel mortgage lender that Empowers the American dream of homeownership. Since 2003 we strive to empower our loan originators and partners to be educators, helpers, doers to help change lives. This is why we come to work each day, ready to put people on a path to homeownership and a better life
At City State Bank we are proud to be a locally owned, family owned, community bank. And during a time of mergers, acquisitions, and 'bigger is better' philosophy, we like being different. Sure, we have great products, but more importantly, we have the great service that should go with those products.
At Community State Bank, our name says it all. As a premier banking and financial services organization in central Iowa, we put our employees, clients and communities first - in everything we do. We strive to exceed this standard and care for the unique needs of our customers by providing industry-leading knowledge
Independent Mortgage is one of Iowa's oldest mortgage banking firms. We have decades of mortgage industry experience that allows us to help you find the loan that is best for your unique situation. Through our main office in Urbandale, Iowa, we can serve the entire State of Iowa.
The credit union was started in 1933 and we’re member-owned not-for-profit financial cooperative which allows us to pass on lower loan rates and higher dividends to our member-owners. You qualify for membership at Midland Credit Union if you live or work in Polk or a contiguous county; Adair, Adams, Audubon, Boone, Cass.
With over 20 years of helping Iowans find home loans with low interest rates under our belts, our role in your home buying experience is much more than simply finding you the right mortgage. We’re here to help you explore your options, understand each thoroughly, and choose the best option for your future.
