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$86,850$114,650
Adams County, IA$86,850$114,650
Allamakee County, IA$86,850$114,650
Ames, IA MSA$100,850$133,100
Appanoose County, IA$86,850$114,650
Audubon County, IA$86,850$114,650
Benton County, IA HUD Metro FMR Area$95,100$125,550
Boone County, IA$86,850$114,650
Bremer County, IA HUD Metro FMR Area$98,900$130,550
Buchanan County, IA$88,100$116,300
Buena Vista County, IA$86,850$114,650
Butler County, IA$86,850$114,650
Calhoun County, IA$86,850$114,650
Carroll County, IA$86,850$114,650
Cass County, IA$86,850$114,650
Cedar County, IA$88,550$116,900
Cedar Rapids, IA HUD Metro FMR Area$102,700$135,550
Cerro Gordo County, IA$86,850$114,650
Cherokee County, IA$86,850$114,650
Chickasaw County, IA$86,850$114,650
Clarke County, IA$86,850$114,650
Clay County, IA$86,850$114,650
Clayton County, IA$86,850$114,650
Clinton County, IA$86,850$114,650
Crawford County, IA$86,850$114,650
Davenport-Moline-Rock Island, IA-IL MSA$86,850$114,650
Davis County, IA$86,850$114,650
Decatur County, IA$86,850$114,650
Delaware County, IA$87,250$115,150
Des Moines County, IA$86,850$114,650
Des Moines-West Des Moines, IA MSA$100,650$132,850
Dickinson County, IA$90,850$119,900
Dubuque, IA MSA$93,600$123,550
Emmet County, IA$86,850$114,650
Fayette County, IA$86,850$114,650
Floyd County, IA$86,850$114,650
Franklin County, IA$86,850$114,650
Fremont County, IA$86,850$114,650
Greene County, IA$86,850$114,650
Grundy County, IA SEA$86,850$114,650
Hamilton County, IA$86,850$114,650
Hancock County, IA$86,850$114,650
Hardin County, IA$86,850$114,650
Henry County, IA$86,850$114,650
Howard County, IA$86,850$114,650
Humboldt County, IA$86,850$114,650
Ida County, IA$86,850$114,650
Iowa City, IA HUD Metro FMR Area$108,550$143,300
Iowa County, IA$86,850$114,650
Jackson County, IA$86,850$114,650
Jasper County, IA$86,850$114,650
Jefferson County, IA$86,850$114,650
Jones County, IA HUD Metro FMR Area$86,850$114,650
Keokuk County, IA$86,850$114,650
Kossuth County, IA$86,850$114,650
Lee County, IA$86,850$114,650
Louisa County, IA$86,850$114,650
Lucas County, IA$86,850$114,650
Lyon County, IA$86,850$114,650
Mahaska County, IA$86,850$114,650
Marion County, IA$86,850$114,650
Marshall County, IA$86,850$114,650
Mitchell County, IA$86,850$114,650
Monona County, IA$86,850$114,650
Monroe County, IA$86,850$114,650
Montgomery County, IA$86,850$114,650
Muscatine County, IA$86,850$114,650
O'Brien County, IA$86,850$114,650
Omaha-Council Bluffs, NE-IA HUD Metro FMR Area$98,900$130,550
Osceola County, IA$86,850$114,650
Page County, IA$86,850$114,650
Palo Alto County, IA$86,850$114,650
Plymouth County, IA HUD Metro FMR Area$87,600$115,650
Pocahontas County, IA$86,850$114,650
Poweshiek County, IA$86,850$114,650
Ringgold County, IA$86,850$114,650
Sac County, IA$86,850$114,650
Shelby County, IA$86,850$114,650
Sioux City, IA-NE-SD HUD Metro FMR Area$86,850$114,650
Sioux County, IA$88,550$116,900
Tama County, IA$86,850$114,650
Taylor County, IA$86,850$114,650
Union County, IA$86,850$114,650
Van Buren County, IA$86,850$114,650
Wapello County, IA$86,850$114,650
Washington County, IA HUD Metro FMR Area$86,850$114,650
Waterloo-Cedar Falls, IA HUD Metro FMR Area$86,850$114,650
Wayne County, IA$86,850$114,650
Webster County, IA$86,850$114,650
Winnebago County, IA$86,850$114,650
Winneshiek County, IA$87,550$115,550
Worth County, IA$86,850$114,650
Wright County, IA$86,850$114,650
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