USDA and FHA Pro and Con in Saylorville, Polk County, IA
In 2026, the USDA loan limit in Saylorville, within the county of Polk, IA, stands at $336,500. For a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to assess today's superior rates for USDA compared to FHA loans. Determine necessary income, credit, reserves, and documentation. Our advanced mortgage tool conveniently displays USDA, FHA, Conforming, and VA loans side-by-side, supporting your decision on the best choice in for your finances.
2026 Loan Restrictions and Down Payment Requirements for Saylorville, County of Polk, IA
Loan Type
Loan Maximum
Initial Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loans in Saylorville, IA
The mission of Lendersa® is to swiftly secure the most favorable USDA or FHA loan for you, effortlessly. Begin with one of three avenues to match lenders and uncover USDA loan solutions.
A USDA home loan, endorsed by the U.S. Department of Agriculture, also recognized as a USDA rural development loan or mortgage, is accessible solely in rural areas. FHA loans necessitate a minimum down payment of 3.5%, whereas no down payment is required for USDA loans.
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 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
3839 Merle Hay Road, Suite 274, Des Moines, IA, 50310
Lends in Iowa
Halo Capital specializes in financing for real estate in the Des Moines, IA area. Licensed, bonded, and trained in many facets of real estate lending, the professionals at Halo Capital can help you obtain a mortgage in Iowa. In addition, our firm invests in the local marketplace as well as takes great pride in educating consumers and investors.
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.
