What are FHA Loan Limits in Iowa?

FHA loans are a low down payment mortgage program and Iowa FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Iowa are set at the floor amount of $275,665 across the entire state.

Iowa FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAIRNON-METRO$275,665$352,950$426,625$530,150
ADAMSNON-METRO$275,665$352,950$426,625$530,150
ALLAMAKEENON-METRO$275,665$352,950$426,625$530,150
APPANOOSENON-METRO$275,665$352,950$426,625$530,150
AUDUBONNON-METRO$275,665$352,950$426,625$530,150
BENTONCEDAR RAPIDS, IA$275,665$352,950$426,625$530,150
BLACK HAWKWATERLOO-CEDAR FALLS, IA$275,665$352,950$426,625$530,150
BOONEBOONE, IA$275,665$352,950$426,625$530,150
BREMERWATERLOO-CEDAR FALLS, IA$275,665$352,950$426,625$530,150
BUCHANANNON-METRO$275,665$352,950$426,625$530,150
BUENA VISTASTORM LAKE, IA$275,665$352,950$426,625$530,150
BUTLERNON-METRO$275,665$352,950$426,625$530,150
CALHOUNNON-METRO$275,665$352,950$426,625$530,150
CARROLLNON-METRO$275,665$352,950$426,625$530,150
CASSNON-METRO$275,665$352,950$426,625$530,150
CEDARNON-METRO$275,665$352,950$426,625$530,150
CERRO GORDOMASON CITY, IA$275,665$352,950$426,625$530,150
CHEROKEENON-METRO$275,665$352,950$426,625$530,150
CHICKASAWNON-METRO$275,665$352,950$426,625$530,150
CLARKENON-METRO$275,665$352,950$426,625$530,150
CLAYSPENCER, IA$275,665$352,950$426,625$530,150
CLAYTONNON-METRO$275,665$352,950$426,625$530,150
CLINTONCLINTON, IA$275,665$352,950$426,625$530,150
CRAWFORDNON-METRO$275,665$352,950$426,625$530,150
DALLASDES MOINES-WEST DES MOINES, IA$275,665$352,950$426,625$530,150
DAVISOTTUMWA, IA$275,665$352,950$426,625$530,150
DECATURNON-METRO$275,665$352,950$426,625$530,150
DELAWARENON-METRO$275,665$352,950$426,625$530,150
DES MOINESBURLINGTON, IA-IL$275,665$352,950$426,625$530,150
DICKINSONSPIRIT LAKE, IA$275,665$352,950$426,625$530,150
DUBUQUEDUBUQUE, IA$275,665$352,950$426,625$530,150
EMMETNON-METRO$275,665$352,950$426,625$530,150
FAYETTENON-METRO$275,665$352,950$426,625$530,150
FLOYDNON-METRO$275,665$352,950$426,625$530,150
FRANKLINNON-METRO$275,665$352,950$426,625$530,150
FREMONTNON-METRO$275,665$352,950$426,625$530,150
GREENENON-METRO$275,665$352,950$426,625$530,150
GRUNDYWATERLOO-CEDAR FALLS, IA$275,665$352,950$426,625$530,150
GUTHRIEDES MOINES-WEST DES MOINES, IA$275,665$352,950$426,625$530,150
HAMILTONNON-METRO$275,665$352,950$426,625$530,150
HANCOCKNON-METRO$275,665$352,950$426,625$530,150
HARDINNON-METRO$275,665$352,950$426,625$530,150
HARRISONOMAHA-COUNCIL BLUFFS, NE-IA$275,665$352,950$426,625$530,150
HENRYNON-METRO$275,665$352,950$426,625$530,150
HOWARDNON-METRO$275,665$352,950$426,625$530,150
HUMBOLDTNON-METRO$275,665$352,950$426,625$530,150
IDANON-METRO$275,665$352,950$426,625$530,150
IOWANON-METRO$275,665$352,950$426,625$530,150
JACKSONNON-METRO$275,665$352,950$426,625$530,150
JASPERNEWTON, IA$275,665$352,950$426,625$530,150
JEFFERSONFAIRFIELD, IA$275,665$352,950$426,625$530,150
JOHNSONIOWA CITY, IA$275,665$352,950$426,625$530,150
JONESCEDAR RAPIDS, IA$275,665$352,950$426,625$530,150
KEOKUKNON-METRO$275,665$352,950$426,625$530,150
KOSSUTHNON-METRO$275,665$352,950$426,625$530,150
LEEFORT MADISON-KEOKUK, IA-IL-MO$275,665$352,950$426,625$530,150
LINNCEDAR RAPIDS, IA$275,665$352,950$426,625$530,150
LOUISANON-METRO$275,665$352,950$426,625$530,150
LUCASNON-METRO$275,665$352,950$426,625$530,150
LYONNON-METRO$275,665$352,950$426,625$530,150
MADISONDES MOINES-WEST DES MOINES, IA$275,665$352,950$426,625$530,150
MAHASKAOSKALOOSA, IA$275,665$352,950$426,625$530,150
MARIONNON-METRO$275,665$352,950$426,625$530,150
MARSHALLMARSHALLTOWN, IA$275,665$352,950$426,625$530,150
MILLSOMAHA-COUNCIL BLUFFS, NE-IA$275,665$352,950$426,625$530,150
MITCHELLNON-METRO$275,665$352,950$426,625$530,150
MONONANON-METRO$275,665$352,950$426,625$530,150
MONROENON-METRO$275,665$352,950$426,625$530,150
MONTGOMERYNON-METRO$275,665$352,950$426,625$530,150
MUSCATINEMUSCATINE, IA$275,665$352,950$426,625$530,150
O'BRIENNON-METRO$275,665$352,950$426,625$530,150
OSCEOLANON-METRO$275,665$352,950$426,625$530,150
PAGENON-METRO$275,665$352,950$426,625$530,150
PALO ALTONON-METRO$275,665$352,950$426,625$530,150
PLYMOUTHSIOUX CITY, IA-NE-SD$275,665$352,950$426,625$530,150
POCAHONTASNON-METRO$275,665$352,950$426,625$530,150
POLKDES MOINES-WEST DES MOINES, IA$275,665$352,950$426,625$530,150
POTTAWATTAMIEOMAHA-COUNCIL BLUFFS, NE-IA$275,665$352,950$426,625$530,150
POWESHIEKNON-METRO$275,665$352,950$426,625$530,150
RINGGOLDNON-METRO$275,665$352,950$426,625$530,150
SACNON-METRO$275,665$352,950$426,625$530,150
SCOTTDAVENPORT-MOLINE-ROCK ISLAND, IA-IL$275,665$352,950$426,625$530,150
SHELBYNON-METRO$275,665$352,950$426,625$530,150
SIOUXNON-METRO$275,665$352,950$426,625$530,150
STORYAMES, IA$275,665$352,950$426,625$530,150
TAMANON-METRO$275,665$352,950$426,625$530,150
TAYLORNON-METRO$275,665$352,950$426,625$530,150
UNIONNON-METRO$275,665$352,950$426,625$530,150
VAN BURENNON-METRO$275,665$352,950$426,625$530,150
WAPELLOOTTUMWA, IA$275,665$352,950$426,625$530,150
WARRENDES MOINES-WEST DES MOINES, IA$275,665$352,950$426,625$530,150
WASHINGTONIOWA CITY, IA$275,665$352,950$426,625$530,150
WAYNENON-METRO$275,665$352,950$426,625$530,150
WEBSTERFORT DODGE, IA$275,665$352,950$426,625$530,150
WINNEBAGONON-METRO$275,665$352,950$426,625$530,150
WINNESHIEKNON-METRO$275,665$352,950$426,625$530,150
WOODBURYSIOUX CITY, IA-NE-SD$275,665$352,950$426,625$530,150
WORTHMASON CITY, IA$275,665$352,950$426,625$530,150
WRIGHTNON-METRO$275,665$352,950$426,625$530,150

Iowa FHA loan limits can change at any time. Check back often to ensure accurate information.

How are Iowa FHA Limits Set?

Iowa FHA Loan LimitsMortgage limits for Iowa FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

IA FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in IA is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in IA is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Iowa FHA loan limits are set at the nationwide floor level in Des Moines, Cedar Rapids, Davenport, Sioux City, Waterloo and Iowa City. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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