USDA Guaranteed Loans are the most popular rural development mortgage program in Iowa.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with Iowa USDA income limits playing a major role.  Guaranteed Loan income limits across IA are listed below.

Iowa USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Adair County, IA$75,750$100,000
Adams County, IA$75,750$100,000
Allamakee County, IA$75,750$100,000
Ames, IA MSA$91,450$120,700
Appanoose County, IA$75,750$100,000
Audubon County, IA$75,750$100,000
Benton County, IA HUD Metro FMR Area$83,800$110,600
Boone County, IA$82,950$109,500
Bremer County, IA HUD Metro FMR Area$89,150$117,700
Buchanan County, IA$81,500$107,600
Buena Vista County, IA$75,750$100,000
Butler County, IA$75,750$100,000
Calhoun County, IA$75,750$100,000
Carroll County, IA$76,850$101,450
Cass County, IA$75,750$100,000
Cedar County, IA$81,800$108,000
Cedar Rapids, IA HUD Metro FMR Area$89,850$118,600
Cerro Gordo County, IA$75,750$100,000
Cherokee County, IA$75,750$100,000
Chickasaw County, IA$75,750$100,000
Clarke County, IA$75,750$100,000
Clay County, IA$76,350$100,800
Clayton County, IA$75,750$100,000
Clinton County, IA$78,000$102,950
Crawford County, IA$75,750$100,000
Davenport-Moline-Rock Island, IA-IL MSA$79,150$104,500
Davis County, IA$75,750$100,000
Decatur County, IA$75,750$100,000
Delaware County, IA$80,350$106,050
Des Moines County, IA$75,750$100,000
Des Moines-West Des Moines, IA MSA$88,400$116,700
Dickinson County, IA$76,700$101,250
Dubuque, IA MSA$79,800$105,350
Emmet County, IA$75,750$100,000
Fayette County, IA$75,750$100,000
Floyd County, IA$75,750$100,000
Franklin County, IA$75,750$100,000
Fremont County, IA$75,750$100,000
Greene County, IA$75,750$100,000
Grundy County, IA SEA$75,750$100,000
Hamilton County, IA$75,750$100,000
Hancock County, IA$75,750$100,000
Hardin County, IA$77,250$101,950
Henry County, IA$75,750$100,000
Howard County, IA$75,750$100,000
Humboldt County, IA$75,750$100,000
Ida County, IA$75,750$100,000
Iowa City, IA HUD Metro FMR Area$94,600$124,850
Iowa County, IA$86,700$114,450
Jackson County, IA$75,750$100,000
Jasper County, IA$75,750$100,000
Jefferson County, IA$75,750$100,000
Jones County, IA HUD Metro FMR Area$77,400$102,150
Keokuk County, IA$75,750$100,000
Kossuth County, IA$75,900$100,200
Lee County, IA$75,750$100,000
Louisa County, IA$75,750$100,000
Lucas County, IA$75,750$100,000
Lyon County, IA$75,750$100,000
Mahaska County, IA$75,750$100,000
Marion County, IA$81,800$108,000
Marshall County, IA$75,750$100,000
Mitchell County, IA$79,000$104,300
Monona County, IA$75,750$100,000
Monroe County, IA$75,750$100,000
Montgomery County, IA$75,750$100,000
Muscatine County, IA$75,750$100,000
O'Brien County, IA$75,750$100,000
Omaha-Council Bluffs, NE-IA HUD Metro FMR Area$83,950$110,800
Osceola County, IA$77,200$101,900
Page County, IA$75,750$100,000
Palo Alto County, IA$75,750$100,000
Plymouth County, IA HUD Metro FMR Area$87,600$115,650
Pocahontas County, IA$75,750$100,000
Poweshiek County, IA$80,350$106,050
Ringgold County, IA$75,750$100,000
Sac County, IA$75,750$100,000
Shelby County, IA$75,750$100,000
Sioux City, IA-NE-SD HUD Metro FMR Area$75,750$100,000
Sioux County, IA$79,150$104,500
Tama County, IA$75,750$100,000
Taylor County, IA$75,750$100,000
Union County, IA$75,750$100,000
Van Buren County, IA$75,750$100,000
Wapello County, IA$75,750$100,000
Washington County, IA HUD Metro FMR Area$79,000$104,300
Waterloo-Cedar Falls, IA HUD Metro FMR Area$75,750$100,000
Wayne County, IA$75,750$100,000
Webster County, IA$75,750$100,000
Winnebago County, IA$75,750$100,000
Winneshiek County, IA$79,150$104,500
Worth County, IA$75,750$100,000
Wright County, IA$75,750$100,000
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