USDA Vs. FHA Pro and Con comparison in West-Des-Moines, Polk County, IA
As of 2025, the loan limit for USDA in West-Des-Moines, located in Polk county, IA, is $285,000. Meanwhile, the FHA limit for a single-family home is set at $356,362.
To evaluate the best current rates between USDA and FHA loans, utilize the Lendersa® USDA loan calculator. It helps you determine the necessary income, credit, reserves, and documents for eligibility. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA loans alongside each other to assist you in choosing the best program in that fits your unique financial circumstances.
2025 Loan Limits and Down Payment Requirements in West-Des-Moines, Polk County, IA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Understanding USDA and FHA Loan Options in West-Des-Moines, IA
Lendersa® is focused on helping you obtain the ideal USDA or FHA loan efficiently and smoothly. Choose from three starting paths to engage with lenders and USDA loan programs tailored to your needs.
A USDA home loan is one guaranteed by the U.S. Department of Agriculture. Known as the USDA rural development loan or USDA mortgage, it is offered only in rural areas. While FHA loans mandate at least a 3.5% down payment, a USDA loan requires no down payment.
4515 Falls of Neuse Rd, Suite 300, Raleigh, NC, 27609
At GoVA Loans, our mission is to clear the path to homeownership for military members across the country by focusing on financial literacy and providing various tools to help build wealth in real estate.
We combine today’s technology with the personal guidance needed during the mortgage process.
Civic is a digital-first credit union. We don’t just make banking more equitable. We transform the lives of our members. We work to move the needle for how people think about their money, their progress, and their community. credit union. We don’t just make banking more equitable. We transform the lives of our members.
"David M. Damaré is a mortgage-lending expert with over 16 years of experience.
He grew up in New Orleans, LA and graduated from the University of North Carolina at Chapel Hill in 1986. David went on to attend pilot training as a military officer with the United States Air Force. While flying for the North Carolina Air National Guard,"
Coastal Credit Union has been serving its members since 1967. Being a not-for-profit financial institution, we are committed to providing outstanding customer service with 7AM to 7PM teller hours, products at competitive rates, and best in class mobile banking. Today, with assets totaling $3.4 billion, Coastal serves more than 270, 000 members.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide extremely competitive VA, Conventional, Jumbo and NON QM home loans to our clients. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. We are a veteran owned, full-service mortgage brokerage company.
First Citizens began as the Bank of Smithfield in Johnston County, N.C. From a single office, First Citizens has grown to more than 550 branches in 19 states. First Citizens today is a full-service banking institution with more than 6, 500 employees. Our parent company, First Citizens BancShares, Inc.
Integrated Funding, located near the North Hills shopping center in Raleigh, NC, is not your average mortgage company. We serve clients in Raleigh, Cary, Apex, as well as Charlotte, Wilmington and throughout North Carolina, and we offer custom-fitted mortgage and refinancing options to suit our clients’ individual needs.
At Residential Mortgage Advisors, LLC. We are privileged to be a leader in providing home loans for borrowers in the triangle area and throughout North Carolina. Combining cutting edge technology, experienced loan officers and business partners, and the "best interest rates" in the market. We hope to be your lender of choice.
