USDA and FHA Pro and Con in Polk-City, Polk County, IA
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.
South Shore Bank is a full-service mutual bank with approximately $2 billion in assets. As a locally managed mutual bank, we believe the most valuable & enduring success is success that is shared. Together, we work to help our people, clients and communities thrive. With an extensive set of financial products, the Bank serves as a trusted advisor.
Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley Credit Union is here with your best interest at heart! We’re all about the credit union mission of “people helping people” and offering you quality products and services at reasonable rates and costs.
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Blue Water Mortgage Corp is an independent mortgage broker serving Massachusetts,New Hampshire, Maine, Connecticut & Florida with HQ in Hampton,New Hampshire.With over 100 years of collective mortgage experience among the team at Blue Water,we have the knowledge & ability to get your loan closed on time with the best terms and lowest rates for you!
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Axiom Bank, a nationally chartered bank headquartered in Central Florida, serving the financial needs of its customers through a wide range of banking solutions and a commitment to exceptional service. The bank has a rich history dating back to 1963. By definition, “axiom” means “a universally recognized truth.
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