USDA and FHA Pro and Con in Windsor-Heights, Polk County, IA
In 2026, within Windsor-Heights, county of Polk, IA, the USDA loan limit is $285,000, while the FHA cap for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today’s optimal USDA versus FHA rates and identify the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA offerings side by side, aiding you in selecting the best option for your financial context in .
2026 Loan Limits and Down Payment Requirements in Windsor-Heights, County of Polk, IA
Loan Category
Maximum Limit
Required Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Windsor-Heights, IA
Lendersa® aims to swiftly and seamlessly secure you the best possible USDA or FHA loan. Begin your journey by selecting one of three starting points that connect you with suitable lenders and USDA loan pathways.
A USDA home loan, backed by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA mortgages necessitate 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.
Independent Mortgage is one of Iowa's oldest mortgage banking firms. We have decades of mortgage industry experience that allows us to help you find the loan that is best for your unique situation. Through our main office in Urbandale, Iowa, we can serve the entire State of Iowa.
The credit union was started in 1933 and we’re member-owned not-for-profit financial cooperative which allows us to pass on lower loan rates and higher dividends to our member-owners. You qualify for membership at Midland Credit Union if you live or work in Polk or a contiguous county; Adair, Adams, Audubon, Boone, Cass.
With over 20 years of helping Iowans find home loans with low interest rates under our belts, our role in your home buying experience is much more than simply finding you the right mortgage. We’re here to help you explore your options, understand each thoroughly, and choose the best option for your future.
FHA mortgage loans are an attractive mortgage solution for a purchase or refinance because today's FHA mortgage rates are near historic lows. The guidelines are also flexible allowing more people to qualify. Whether you have had credit issues in the past or are simply looking to limit your down payment to 3.5%,
3839 Merle Hay Road, Suite 274, Des Moines, IA, 50310
Lends in Iowa
Halo Capital specializes in financing for real estate in the Des Moines, IA area. Licensed, bonded, and trained in many facets of real estate lending, the professionals at Halo Capital can help you obtain a mortgage in Iowa. In addition, our firm invests in the local marketplace as well as takes great pride in educating consumers and investors.
Des Moines Metro Credit Union was established in 1938 to serve the employees of the city of Des Moines. Throughout the years, we have grown to serve other large and small employer groups, such as Unity Point, DART, and Warren County. In 1997, we became a community credit union, which allows us to serve those who live and work in Polk County.
