For 2026, within Webster-City, located in Hamilton county of IA, the USDA loan cap is set at $285,000. In contrast, the FHA limit for a single-family property is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's most favorable USDA versus FHA rates. This tool assists in evaluating the income, credit, reserves, and documentation necessary for qualifying. With our comprehensive mortgage calculator, you'll see USDA, FHA, Conforming, and VA loans compared side by side, helping you choose the right plan for your unique financial circumstances in
Examine loan proposals from a collection of 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The primary aim of Lendersa® is to facilitate the swift obtaining of the best USDA or FHA loan without complexity. Choose from three options that align you with matching lenders and USDA loan programs.
A USDA home loan is backed by the government, specifically the Department of Agriculture. This loan, known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans which require at least a 3.5% down payment, USDA loans do not require a down payment at all, offering a significant advantage for eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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