USDA Vs. FHA your options comparison in Sioux-City, Woodbury County, IA
In 2026, the USDA loan limit for Sioux-City, located in the county of Woodbury, IA, is $285,000. Conversely, the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare today's most favorable USDA and FHA rates, and determine the income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs side by side, assisting you in choosing the best option for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Sioux-City, County of Woodbury, IA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Sioux-City, IA
Lendersa® aims to secure you the best USDA or FHA loan quickly and without hassle. Choose one of three approaches to match with lenders and USDA loan programs.
USDA home loans, supported by the U.S. Department of Agriculture and also known as USDA rural development loans, are exclusively available in rural areas. These loans do not require any down payment, unlike FHA loans, which necessitate a minimum down payment of 3.5%.
1909 Old South Palmetto Street, Sioux City, IA, 51106
Lends in Iowa
Midwest Community Credit Union is a financial institution that offers mobile banking, loans, gift, debit, and credit card services. Midwest Community Credit Union has been open since 1955. The credit union has assets totaling $42.5 Million and provides banking services to more than 3,000 members.
In 2003, Liberty National Bank was created by a group of local investors who had a vision for a “true community bank." Your answer for all banking needs, including mortgages, financing, free checking, online banking, bill pay, personal savings & checking accounts, home & commercial loans, wealth management and trusts.
Sioux Valley Community Credit Union has been open since 1952. The credit union has assets totaling $31 Million and provides banking services to more than 3,000 members. Sioux Valley does not support or recommend using Zelle pay or any other cash transfer app to purchase anything.
The Siouxland Economic Development Corporation (SEDC) was incorporated in 1979 by a group of Siouxlanders in an attempt to help stimulate the tri-state region’s economy which was slumping in the face of manufacturing dislocations, particularly the Zenith plant closing in Sioux City.
Security National Bank was chartered in 1884 in Sioux City, Iowa, founded on the time-tested principles of integrity, honor, open-mindedness, efficiency, good humor, respect, duty and human connection These principles served as guideposts that enabled SNB to withstand the economic panic of the late 1800s, the Great Depression.
At Pioneer it's Personal is more than just our tagline, it's a way of life at Pioneer Bank. We are a locally owned community-focused bank with enough geographical reach to compete digitally while still being able to provide exceptional one-on-one personal service. If you're already a customer, thank you!
Telco Triad Community Credit Union has been serving the financial needs of its members since it was established as Sioux City District Telco Credit Union in 1945 by the employees of the Northwestern Bell Telephone Company. In the late 1970's, Sioux City District began to expand by merging credit unions
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.
