USDA and FHA Pro and Con in Urbandale, Polk County, IA
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.
Oklahoma AgCredit is part of the Farm Credit System that supports rural communities and agriculture with reliable and consistent credit today and tomorrow. We provide loans, leases and financial services to farmers, ranchers and rural businesses and homeowners in 60 counties in eastern and central Oklahoma.
233 East 10th Street Plaza, Suite 3, Edmond, OK, 73034
Spurr Mortgage is a locally and family owned mortgage company in Edmond, Ok helping homeowners since 1990 by Harold Spurr. Spurr Mortgage has stayed true to its mission to provide outstanding home mortgage services in Edmond and throughout Oklahoma. Spurr Mortgage has the distinct honor of being the only remaining mortgage broker in the state.
"MHL and eLEND combine great rates and a wide range of Manufactured and Modular Home loan options, with over 20 years of industry expertise, and excellent customer service. We’re always just a call, message
Being a customer-focused company means we take great pride in our customer service."
Central National Bank is clearly evidenced by both it's history and the Bank's position as one of the leading financial institutions in Southeastern Oklahoma. The Bank was chartered March 7, 1901 as The Bank of Poteau. The new bank was capitalized with $25, 000 and showed a $4, 698 profit for the first full year of operations.
Traverse Catholic Federal Credit Union begins in 1950, when a group of employees at Parts Manufacturing Company in Traverse City, received a federal charter to form a credit union for their company. One employee, Lawrence Weber, and his wife, Ann, willingly took on the large responsibility of running the credit union out of their own home.
833 Kelly Lakes Pass, Suite 100, Edmond, OK, 73025
Security Financial Mortgage founded in 2012 Security Financial Mortgage has a simple business philosophy. With an efficient, knowledgeable team that is willing to work hard for every client, we can keep our costs low while providing exceptional service. This enables us to pass the savings on to our customers.
Superior National Bank opened in 1890. Headquartered in Hancock Michigan, Superior National Bank serves clients in the Upper Peninsula and Southeast Michigan regions and employs over 250 people. Superior National Bank provides individual consumers, businesses, municipalities and corporations with a full range of banking services spanning lending.
Mortgage loan subservicing is a highly demanding and regulated discipline – one that requires precise expertise for handling thousands of complex tasks. Today’s environment is not for the inexperienced, or those who are stuck in the status quo. That’s why lenders all over the country trust Midwest.
In 1958, White County Government Employees Credit Union was formed under a state charter. This allowed our field of membership to be open to state & government employees in White County. The U.S. Post Office was instrumental in this formation.
On May 15, 1958, minutes of the first board meeting reflected ten members were approved for membershi
PFCU is a credit union located in West/Central Michigan dedicated to improving our members’ lives.With assets of over $690 million, more than 52, 000 members and 12 branches, PFCU provides every type of financial service our members require. From loans to credit cards to business banking solutions, members trust PFCU to provide financial service.
The Farmers State Bank, the second bank established in Quinton, opened for business on April 7, 1908. A small wood frame building provided temporary facilities for the bank at that time.
In 1929, stockholders purchased The First National Bank of Quinton and Kinta State Bank, consolidating assets under the state charter of Farmers State Bank.
