USDA and FHA Pro and Con in Sioux-Center, Sioux County, IA

In the year 2025, the USDA loan cap in Sioux-Center, located in the county of Sioux, IA, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.

To compare today's optimum USDA versus FHA rates, use the Lendersa® USDA loan calculator. It helps determine the income, credit, reserves, and documents necessary to qualify. The advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Sioux-Center, Sioux County, IA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in Sioux-Center, IA

The aim of Lendersa® is to secure you the best USDA or FHA loan swiftly, without complexities. Choose one of the three starting points for finding matching lenders and USDA loan options.

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An Introduction to USDA Loans in IA

A USDA home loan is backed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is applicable exclusively in rural areas. In contrast to FHA loans that need a minimum 3.5% down payment, USDA loans require no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • United Security Financial Corp. has been a nation wide mortgage lender. Seving all but a few select states, we provide individuals with high quality home mortgages. We strive to provide the best products and services to borrowers to make their mortgage lending experience simple and care free on their part
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  • Ascent Bank
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  • In 1970, Paul Caruso, Sr. moved to Helena and established Ascent Bank, formerly First Security Bank of Helena. Paul believed that being a family owned and managed bank meant truly supporting the community and creating a culture that saw every customer as having unique needs. Paul and the entire staff saw finding solutions.
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  • Knoxville Firefighter's FCU is a member owned, not for profit, financial co-operative offering services that foster effective and efficient operations to promote participation to all those within the defined field of membership. Our goal is to provide quality service, education, competitive credit, and the best value for our members' deposits.