USDA Loan Vs. FHA loan for Winterset, IA 2026

For 2026, in Winterset of Madison county, IA, the USDA loan limit is $336,500, whereas the FHA limit for a single-family home is $472,030.

Take advantage of the Lendersa® USDA loan calculator to compare top USDA versus FHA rates and identify the required income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side to assist you in selecting the most suitable program in for your financial needs.

USDA and FHA Loan Options in Winterset, IA

The goal of Lendersa® is to rapidly and effortlessly secure you the best possible USDA or FHA loan. You can choose one of the three approaches to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan requests and matching outcomes

Understanding USDA Loans in IA

A USDA home loan, guaranteed by the Department of Agriculture—known also as a USDA rural development loan or USDA mortgage—is available solely in rural areas. Unlike FHA loans which require a 3.5% down payment minimum, USDA mortgages require no down payment at all.

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(510) 628-4358 Lender's profile and map Reviews Matson Credit Union loan 475 14th Street, Suite 220, Oakland, CA, 94612 Chartered in 1938, Matson Employees’ Federal Credit Union was established to provide the best services possible — in a friendly atmosphere — for our members and their families. We are a non-profit, financial cooperative owned by you, our members. So you can rest assured that we will always be looking out for your best interest
(510) 444-5626 Lender's profile and map Reviews Money Source 1300 Clay St, Suite 600, Oakland, CA, 94612 We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
(415) 989-8855 Lender's profile and map Reviews TMC Financing 1720 Broadway, 3rd Floor, Oakland, CA, 94612 TMC is the no. 1 SBA 504 lender in the nation. Since 1981, TMC has provided $10 billion in financing for over 6, 000 businesses throughout California and Nevada. This financing has resulted in the creation or retention of an estimate 60, 000 jobs. Now licensed to operate in Arizona!
(925) 289-7602 Lender's profile and map Reviews Falcon Bridge Capital LLC 1999 Harrison Street, Suite 1575, Oakland, CA, 94612 Falcon Bridge Capital formed in 2007 as part of a Joint Venture with a large Private Equity firm to invest in distressed Residential Mortgage Backed Securities ("RMBS"). The Company's clients include endowments/pensions, community banks, and private equity firms.The Company has expertise in structured products.
(877) 369-2828 Lender's profile and map Reviews Self-Help Federal Credit Union 1970 Broadway, Suite 350, Oakland, CA, 94612 Our mission is to create and protect ownership and economic opportunity for all, especially people of color, women, rural residents, and low-wealth families and communities.Self-Help strengthens underserved communities by providing financing to homebuyers, nonprofits, childcare centers, community health facilities.
(510) 575-0315 Lender's profile and map Reviews North Street Finance, LLC 1901 Harrison St, Suite 1100, Oakland, CA, 94612 Since 2016, North Street has closed nearly $100 million of loans with a select number of experienced investors largely based in the San Francisco Bay Area. We are dedicated to being your preferred capital partner and are focused on providing creative and flexible solutions that will help you grow your business.
(415) 562-6102 Lender's profile and map Reviews Citi Capital Mortgage 300 Frank H. Ogawa Plaza, Suite 250, Oakland, CA, 94612 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(510) 519-9055 Lender's profile and map Reviews PhinanceUS 1901 Harrison St, Suite 1101, Oakland, CA, 94612 PhinanceUS is a mortgage company that specializes in residential, multi-family, and commercial real estate financing. We have 30 years of experience in the mortgage industry.residential, multi-family, and commercial real estate financing. We have 30 years of experience is here to solve your real estate finance needs
(650) 917-8401 Lender's profile and map Reviews Bahl Homes 616 San Antonio Road, Mountain View, CA, 94040 Bahl Homes is a family owned and operated business. Bahl Homes has developed a business philosophy that centers on the basic belief that customers deserve the best. Our emphasis on customer service has allowed us to maintain and grow our customer base by way of referral and repeat business. We would love the chance to work for you!
(888) 723-7328 Lender's profile and map Reviews Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA, 94303 Our goal isn’t to generate profits for stockholders. It’s to improve the lives of our members. That means we give back more to our members in the form of higher savings rates, low loan rates and less fees. We proudly serve the financial needs of over 75, 000 members across the Stanford, Palo Alto and San Francisco Bay Area communities.
(510) 821-1806 Lender's profile and map Reviews The Bay Brokerage Inc 4020 Fabian Way, Suite 305, Palo Alto, CA, 94303 The Bay Brokerage is a dynamic team of agents mentored by Taskeen, she has over 18 years of experience and has brought her years of knowledge and expertise into this now large group. Residing and working in the Bay Area they offer specialties that complement one another and make for a great company to do business with.