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.
800 E Northwest Hwy, Suite 718, Palatine, IL, 60074
Flagship Lending Inc and our experienced loan officers have helped numerous first-time home buyers, home-owners, and real estate partners to find the right mortgage products that fits in their individual needs. From FHA loan, conventional mortgage, to jumbo mortgage products or investment property loans.
Kansas Teachers Community Credit Union has been open since 1949. It's the 15th largest credit union in Kansas with assets totaling $136.7 Million and providing banking services to more than 13,000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans
1235 South Highland Ave, Suite A, Lombard, IL, 60148
Founded in 2014, HLP Mortgage opened its doors to the Illinois community. We are a privately owned company and a full-service mortgage banker. Our focus is to better the community with the services we provide by offering low interest rates and an unequaled customer service experience.
1920 S Highland Ave, Suite 220, Lombard, IL, 60148
Great Mortgage has made the mortgage process easier is by integrating technology with our outstanding customer service.On our website you can submit a complete on-line, secure loan application or pre-qualify for an Arizona, Illinois, Indiana, Colorado, Florida, Missouri or Tennessee home loan. You may also evaluate your different financing options.
CU/America Financial Services is a local, Illinois-licensed mortgage company that has been serving the needs of our mortgage loan borrowers for 20 years. As a leader in the mortgage industry, we constantly strive to deliver excellence in every area of the loan transaction. Since our modest beginning in 1994.
1910 S Highland Ave, Suite 300, Lombard, IL, 60148
Loan Cabin is a modern lender who’s mission is to streamline the mortgage process by using technology to provide consumers a quick, simple, and transparent home loan. By executing this we are able to provide the lowest interest rates, cost, and experience for the customer. Buying a home can be hard, we make it easier
55 West 22nd Street, Suite 130, Lombard, IL, 60148
Neighborhood Loans, we are passionate mortgage banking professionals with one goal in mind – make our clients, our priority. Neighborhood Loans is a Residential Mortgage Lender utilizing a business model aimed at educating and enabling consumers in a rapidly changing market. Our mission is to provide the finest service.
Market Place Mortgage Corp Founded in 2008 by seasoned mortgage professionals with no place to go to share their ideal respect for customers Market Place Mortgage, like the name intended, was designed to offer choices to customers and put the customer first. We are a mortgage bank that offers the full spectrum of every lending option in the market.
