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$331,760$424,800$513,450$638,100
ADAMSNON-METRO$331,760$424,800$513,450$638,100
ALLAMAKEENON-METRO$331,760$424,800$513,450$638,100
APPANOOSENON-METRO$331,760$424,800$513,450$638,100
AUDUBONNON-METRO$331,760$424,800$513,450$638,100
BENTONCEDAR RAPIDS, IA$331,760$424,800$513,450$638,100
BLACK HAWKWATERLOO-CEDAR FALLS, IA$331,760$424,800$513,450$638,100
BOONEAMES, IA$331,760$424,800$513,450$638,100
BREMERWATERLOO-CEDAR FALLS, IA$331,760$424,800$513,450$638,100
BUCHANANNON-METRO$331,760$424,800$513,450$638,100
BUENA VISTASTORM LAKE, IA$331,760$424,800$513,450$638,100
BUTLERNON-METRO$331,760$424,800$513,450$638,100
CALHOUNNON-METRO$331,760$424,800$513,450$638,100
CARROLLCARROLL, IA$331,760$424,800$513,450$638,100
CASSNON-METRO$331,760$424,800$513,450$638,100
CEDARNON-METRO$331,760$424,800$513,450$638,100
CERRO GORDOMASON CITY, IA$331,760$424,800$513,450$638,100
CHEROKEENON-METRO$331,760$424,800$513,450$638,100
CHICKASAWNON-METRO$331,760$424,800$513,450$638,100
CLARKENON-METRO$331,760$424,800$513,450$638,100
CLAYSPENCER, IA$331,760$424,800$513,450$638,100
CLAYTONNON-METRO$331,760$424,800$513,450$638,100
CLINTONCLINTON, IA$331,760$424,800$513,450$638,100
CRAWFORDNON-METRO$331,760$424,800$513,450$638,100
DALLASDES MOINES-WEST DES MOINES, IA$331,760$424,800$513,450$638,100
DAVISNON-METRO$331,760$424,800$513,450$638,100
DECATURNON-METRO$331,760$424,800$513,450$638,100
DELAWARENON-METRO$331,760$424,800$513,450$638,100
DES MOINESBURLINGTON, IA-IL$331,760$424,800$513,450$638,100
DICKINSONSPIRIT LAKE, IA$331,760$424,800$513,450$638,100
DUBUQUEDUBUQUE, IA$331,760$424,800$513,450$638,100
EMMETNON-METRO$331,760$424,800$513,450$638,100
FAYETTENON-METRO$331,760$424,800$513,450$638,100
FLOYDNON-METRO$331,760$424,800$513,450$638,100
FRANKLINNON-METRO$331,760$424,800$513,450$638,100
FREMONTNON-METRO$331,760$424,800$513,450$638,100
GREENENON-METRO$331,760$424,800$513,450$638,100
GRUNDYWATERLOO-CEDAR FALLS, IA$331,760$424,800$513,450$638,100
GUTHRIEDES MOINES-WEST DES MOINES, IA$331,760$424,800$513,450$638,100
HAMILTONNON-METRO$331,760$424,800$513,450$638,100
HANCOCKNON-METRO$331,760$424,800$513,450$638,100
HARDINNON-METRO$331,760$424,800$513,450$638,100
HARRISONOMAHA-COUNCIL BLUFFS, NE-IA$331,760$424,800$513,450$638,100
HENRYNON-METRO$331,760$424,800$513,450$638,100
HOWARDNON-METRO$331,760$424,800$513,450$638,100
HUMBOLDTNON-METRO$331,760$424,800$513,450$638,100
IDANON-METRO$331,760$424,800$513,450$638,100
IOWANON-METRO$331,760$424,800$513,450$638,100
JACKSONNON-METRO$331,760$424,800$513,450$638,100
JASPERDES MOINES-WEST DES MOINES, IA$331,760$424,800$513,450$638,100
JEFFERSONFAIRFIELD, IA$331,760$424,800$513,450$638,100
JOHNSONIOWA CITY, IA$331,760$424,800$513,450$638,100
JONESCEDAR RAPIDS, IA$331,760$424,800$513,450$638,100
KEOKUKNON-METRO$331,760$424,800$513,450$638,100
KOSSUTHNON-METRO$331,760$424,800$513,450$638,100
LEEFORT MADISON-KEOKUK, IA-IL-MO$331,760$424,800$513,450$638,100
LINNCEDAR RAPIDS, IA$331,760$424,800$513,450$638,100
LOUISANON-METRO$331,760$424,800$513,450$638,100
LUCASNON-METRO$331,760$424,800$513,450$638,100
LYONNON-METRO$331,760$424,800$513,450$638,100
MADISONDES MOINES-WEST DES MOINES, IA$331,760$424,800$513,450$638,100
MAHASKAOSKALOOSA, IA$331,760$424,800$513,450$638,100
MARIONPELLA, IA$331,760$424,800$513,450$638,100
MARSHALLMARSHALLTOWN, IA$331,760$424,800$513,450$638,100
MILLSOMAHA-COUNCIL BLUFFS, NE-IA$331,760$424,800$513,450$638,100
MITCHELLNON-METRO$331,760$424,800$513,450$638,100
MONONANON-METRO$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYNON-METRO$331,760$424,800$513,450$638,100
MUSCATINEMUSCATINE, IA$331,760$424,800$513,450$638,100
O'BRIENNON-METRO$331,760$424,800$513,450$638,100
OSCEOLANON-METRO$331,760$424,800$513,450$638,100
PAGENON-METRO$331,760$424,800$513,450$638,100
PALO ALTONON-METRO$331,760$424,800$513,450$638,100
PLYMOUTHNON-METRO$331,760$424,800$513,450$638,100
POCAHONTASNON-METRO$331,760$424,800$513,450$638,100
POLKDES MOINES-WEST DES MOINES, IA$331,760$424,800$513,450$638,100
POTTAWATTAMIEOMAHA-COUNCIL BLUFFS, NE-IA$331,760$424,800$513,450$638,100
POWESHIEKNON-METRO$331,760$424,800$513,450$638,100
RINGGOLDNON-METRO$331,760$424,800$513,450$638,100
SACNON-METRO$331,760$424,800$513,450$638,100
SCOTTDAVENPORT-MOLINE-ROCK ISLAND, IA-IL$331,760$424,800$513,450$638,100
SHELBYNON-METRO$331,760$424,800$513,450$638,100
SIOUXNON-METRO$331,760$424,800$513,450$638,100
STORYAMES, IA$331,760$424,800$513,450$638,100
TAMANON-METRO$331,760$424,800$513,450$638,100
TAYLORNON-METRO$331,760$424,800$513,450$638,100
UNIONNON-METRO$331,760$424,800$513,450$638,100
VAN BURENNON-METRO$331,760$424,800$513,450$638,100
WAPELLOOTTUMWA, IA$331,760$424,800$513,450$638,100
WARRENDES MOINES-WEST DES MOINES, IA$331,760$424,800$513,450$638,100
WASHINGTONIOWA CITY, IA$331,760$424,800$513,450$638,100
WAYNENON-METRO$331,760$424,800$513,450$638,100
WEBSTERFORT DODGE, IA$331,760$424,800$513,450$638,100
WINNEBAGONON-METRO$331,760$424,800$513,450$638,100
WINNESHIEKNON-METRO$331,760$424,800$513,450$638,100
WOODBURYSIOUX CITY, IA-NE-SD$331,760$424,800$513,450$638,100
WORTHMASON CITY, IA$331,760$424,800$513,450$638,100
WRIGHTNON-METRO$331,760$424,800$513,450$638,100

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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