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
Compare loan offers from a network of 100 different lenders
| Loan Type | Loan Limit | Down Payment |
|---|---|---|
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
|
|
|
|
|
|
|
|
Bridge Loan Guides
