In 2026, the USDA loan ceiling in Urbandale, within Polk county, IA, is set at $336,500, whereas the FHA cap for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare the current USDA and FHA rates, as well as identify the necessary income, credit, reserves, and documentation required for qualification. Our enhanced mortgage calculator allows you to view the USDA, FHA, Conforming, and VA side by side to aid in deciding which program is best for your financial circumstances in .
2026 Loan Ceilings and Down Payment Needs in Urbandale, Polk County, IA
Loan Type
Loan Cap
Initial Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Selections in Urbandale, IA
At Lendersa®, the aim is to help you acquire the best USDA or FHA loan quickly and effortlessly. Begin with one of three methods that connect you with lenders and USDA loan programs.
A USDA home loan, endorsed by the U.S. Department of Agriculture also known as a USDA rural development loan, is exclusively for rural areas. Unlike FHA loans that necessitate a minimum of 3.5% down payment, the USDA loan does not require any down payment.
At City State Bank we are proud to be a locally owned, family owned, community bank. And during a time of mergers, acquisitions, and 'bigger is better' philosophy, we like being different. Sure, we have great products, but more importantly, we have the great service that should go with those products.
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
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.
FHA mortgage loans are an attractive mortgage solution for a purchase or refinance because today's FHA mortgage rates are near historic lows. The guidelines are also flexible allowing more people to qualify. Whether you have had credit issues in the past or are simply looking to limit your down payment to 3.5%,
