In 2025, 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
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| Loan Type | Loan Cap | Initial Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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