USDA Vs. FHA Pro and Con comparison in Waterloo, Black Hawk County, IA
In the year 2025, the USDA loan limit for Waterloo located in Black Hawk county of IA is set at $336,500, whereas the FHA loan limit for single-family homes is $472,030.
Leverage the Lendersa® USDA loan calculator to compare the best rates between USDA and FHA, and identify the income, credit, reserves, and documentation necessary for qualification. Using our enhanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side-by-side to decide which program in aligns best with your financial needs.
2025 Loan Limits and Down Payment Needs in Waterloo, Black Hawk County, IA
Loan Type
Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Understanding USDA and FHA Loan Options in Waterloo, IA
Lendersa® aims to facilitate the swift and straightforward acquisition of USDA or FHA loans. Begin with one of three initial steps that connect you with suitable lenders and USDA loan programs.
The USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is endorsed by the U.S. Department of Agriculture and is specifically designed for rural areas. Unlike FHA loans, which necessitate at least a 3.5% down payment, the USDA loan does not require any down payment.
AccoLend is a fast growing direct lending company. We are based in NJ but fund bridge/hard money loans in 30+ states. We with offer great career path for loan officers, especially for those with a proven track record. Our product mix is flexible, we offer competitive rates, charge no points and provide fast and reliable service for our clients.
Progressive Mortgage Services Inc is Your local Mortgage Broker with close to 2 decades of experience. Making purchases and refinances our business! We have a large network of Lenders that can accomadate various scenarios. From FHA to Conventional Loans along with Reverse Mortgages and Commercial Loans as well.
185 Hudson Street, Suite 2500, Jersey City, NJ, 07311
LX Financial LLC is an asset-based mortgage lender and loan originator for rental and commercial properties.
If it makes sense, we can fund it. We have great versatility in structuring solutions, which can include (one or more of) the following financing options/sources:
LX Financial capital
Our network of private lenders
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Up to 100% Leverage on fix & flip 1-4 unit properties in non judicial states, no credit or appraisal/experience requirements. We also offer up to 90% on commercial properties, and 100% CLTV as well with seller carry 2nds. Rates from the 9's and up on bridge and 5's & up on perm products. All property types nationwide, owner occupied as well. G
Mountain Valley Federal Credit Union is a unique kind of financial self-help, non-profit institution organized in 1963 and the Mountain Valley (Peru) Federal Credit Union our members come first. The credit union exists for the benefit of its members by providing a variety of financial services and products at competitive rates
BLVD Realty Group is the premier luxury and commercial real estate firm in Jersey City. We specialize in providing our clients with the Boutique look and feel coupled with a very strong team of professionals.
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201 Montgomery St, Suite 263, Jersey City, NJ, 07302
Founded in 2017 by Zac Prince and Flori Marquez, BlockFi was created to provide credit services to markets with limited access to simple financial products. BlockFi sets itself apart from other crypto service providers by pairing competitive rates with institutional-quality benefits.
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Stem Lending is an online mortgage marketplace, helping home buyers shop wholesale lenders, as they finance their dream homes. Our customers create a login and with 4 simple steps, apply for a mortgage. Our technology fetches credit reports, verifies income, assets, employment and present mortgage application to top competing mortgage.
