USDA Vs. FHA your options comparison in West-Des-Moines, Polk County, IA
As of 2026, 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.
2026 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.
3580 Ep True Pkwy West Des, West Des Moines, IA, 50265
Lends in Iowa
At Midwest Heritage, a Hy-Vee company, is a full service financial center offering banking, investments and insurance.
We believe that your time is important. That’s why we offer extended business hours, seven days a week at our six in-store Hy-Vee locations. We also offer two branch locations in West Des Moines and Chariton, Iowa.
4800 Mills Civic Parkway, Suite 100, West Des Moines, IA, 50265
Lends in Iowa
The State Savings Bank mission begins with you because without you, there would be no we! We come to work each day for you— to listen to your financial goals, to understand your financial problems, and to offer guidance, advice and solutions that meet your goals. Safety, timeliness, fairness, trust, quality products and services are essential.
Earlham Savings Bank is prepared for that future and still stands stronger than ever. A commitment to remembering where we have come from, the simple principals of thinking of our customers first and treating people with fairness and respect remain. It is by these standards we continue to grow and serve Central Iowa.
1255 Jordan Creek Parkway, West Des Moines, IA, 50266
Lends in Iowa
Freedom Financial Bank is a community bank committed to building relationships through professional, personal service. We give you the powerful tools of a major financial institution, the convenience of a one-stop financial resource, and the responsiveness of a local bank. As a local bank, Freedom Financial Bank chartered in 1999.
West Bank is a community bank that provides full-service banking & trust services to businesses and consumers. The company conducts business in metropolitan Des Moines & Coralville, Iowa and SE Minnesota and also West Bank employees place a high priority on community involvement, lending their time.
Splice Funding Solutions is a full service loan lending entity specializing in the arranging, placement, funding, and brokering of commercial loans nationwide. In addition, Splice Funding Solutions offers consulting services to entities or individuals looking to arrange financing for a broad range of commercial projects.
5465 Mills Civic Parkway, Suite 201, West Des Moines, IA, 50266
Lends in Iowa
Conterra has lending offices through out the United States. We have relationship managers and credit teams available in your region and ready to hear your story. Find an Ag lender in your region to get personal service and financing that tailors to your unique operation.Conterra’s staff of seasoned.
177 S. Jordan Creek Pkwy, West Des Moines, IA, 50266
Lends in Iowa
Fidelity Bank is a locally owned, locally managed community bank in Iowa. With a commitment to providing our customers with the banking services and support they need; Fidelity Bank offers a variety of banking and lending options.
Fidelity Bank is on LinkedIn to celebrate our team members.
1150 Jordan Creek Pkwy, West Des Moines, IA, 50266
Lends in Iowa
With over 25 locations in 22 communities across the state, Bank Iowa offers the services of a large financial institution, but operates as a community bank in which decisions are made locally. The Bank Iowa locations are affiliates of Bank Iowa Corporation, a privately owned bank holding company headquartered in West Des Moines, Iowa.
