For 2026 in Rock-Valley, located within Sioux county, IA, the USDA loan maximum stands at $285,000. Meanwhile, the FHA cap for a single-family home is $356,362.
The Lendersa® USDA loan calculator is a tool to help you compare today's best rates between USDA and FHA loans, clarifying the necessary income, credit score, reserves, and documents required for qualification. This advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, supporting your decision on the optimal program in
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| Loan Type | Maximum Amount | Initial Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The goal of Lendersa® is to quickly provide you with the most favorable USDA or FHA loan, minimizing any hassle. Begin by selecting one of three strategies that match lenders and uncover USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is exclusive to rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans necessitate no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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