In 2026, the USDA loan limit for Sheldon in O'Brien county, IA is $285,000. Meanwhile, the FHA limit for a single-family home stands at $356,362.
Leverage the Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates. Assess the income, credit, reserves, and documentation necessary to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program in for your specific financial situation.
2026 Loan Limits and Down Payment Requirements in Sheldon, County of O'Brien, IA
Loan Type
Maximum Limit
Required Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Sheldon, IA
The goal of Lendersa® is to secure you the best USDA or FHA loan quickly and with ease. Start with one of three initial paths that connect you with matching lenders and USDA loan prospects.
A USDA home loan is guaranteed by the government’s Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. Unlike FHA loans which require a minimum 3.5% down payment, USDA mortgages require none.
Ashton State Bank's product line and service culture is unrivaled in banking today. We take a great interest in providing you with cutting-edge products and services. We take the time to find out how we might better service all your financial needs We are proud to be a small-town community bank.
Peoples Bank is a locally owned, full service community bank that serves Northwest Iowa and Southwest Minnesota. With offices in Rock Valley, Lester, Sioux Center, Akron, Sheldon, Hawarden, Hinton, Sioux City, IA, and Jasper, MN, we are equipped to serve our customers in their very own community.
At American State Bank, we are committed to the accomplishment of our mission, adherence to our values, and the belief that employees are our number one resource. We expect all employees to support and commit to our values and behavioral expectations. We currently have 9 locations, Sioux Center Downtown Campus, Alton, Alvord, Granville, Hospers.
Frontier Bank is a locally owned, community-minded independent bank. We've been dedicated to serving individuals and businesses with the highest degree of care, confidentiality and convenience since starting in Rock Rapids, Iowa in 1932. At Frontier Bank we always treat you like a BIG DEAL.
Farmers State Bank of Marcus was started in December of 1928 to serve the people of Marcus and the surrounding farming community. Although the Bank has grown over the years, our commitment and dedication to serving our customers is unchanged. We have been and are still “a real community bank.” We are locally owned
Primebank has been an integral part of the growth and development of the communities it serves. In 1891, the bank was founded with the name German State Bank. Security Bank, founded in 1889, was sold to German State Bank that same year. While still the same banking institution, our bank has changed its name several times.
Iowa State Bank is a full service bank with locations in Hull, Ireton, Orange City, Paullina, Remsen, Sanborn, and Sheldon, Iowa. Iowa State Bank presents this page to you through Facebook. Facebook is owned by a third party not affiliated with ISB, and ISB is not responsible for Facebook’s privacy or security policies.
Serving 14 counties in Northwest Iowa, with offices in Cherokee, Ida Grove, and Sheldon, North Star Community Credit Union is your full-service financial institution. Offering everything from savings, checking, share certificates, loans, mortgages and more, North Star Community Credit Union is your one-stop for all your financial needs.
Since 1888, we have been focused on serving Cherokee and the surrounding communities by being there for our customers. We’ve been there through recessions and depressions, in lean times and the good. As a truly independent and locally owned bank, we’ve built our foundation on thinking and acting on what’s best in the long-term for our customers.
