In 2026, the USDA loan limit for Williamsburg, located in the county of Iowa, IA, is $336,500, whereas the FHA limit for a single-family home is $472,030. These limits are established to guide prospective homeowners in understanding their maximum borrowing capacity under these government-backed programs.
Utilize the Lendersa® USDA loan calculator to dissect and compare the current best rates between USDA and FHA offerings, precisely determining the income, credit standards, reserves, and documentation necessary for qualification. With our state-of-the-art mortgage calculator, you gain the benefit of viewing USDA, FHA, Conforming, and VA loans side by side. This tool aids in making informed choices about which program in
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| Type of Loan | Maximum Limit | Down Payment Requirements |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conforming | $726,200 | 3% |
Lendersa® strives to swiftly help you secure the most advantageous USDA or FHA loan, minimizing unnecessary hassle. Begin by selecting one of three foundational pathways that connect you to lenders and explore USDA loan options that align with your needs.
A USDA home loan is a mortgage option facilitated by the government through the Department of Agriculture, popularly known as a USDA rural development loan or USDA mortgage. This program is tailored for applicants in rural neighborhoods. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA mortgages offer the significant advantage of requiring no initial down payment, making them more accessible to eligible rural homebuyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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