Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Iowa. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Iowa Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Adair County, IA | $306,000 | $391,000 |
| Adams County, IA | $306,000 | $391,000 |
| Allamakee County, IA | $306,000 | $391,000 |
| Ames, IA MSA | $357,000 | $449,000 |
| Appanoose County, IA | $306,000 | $391,000 |
| Audubon County, IA | $306,000 | $391,000 |
| Benton County, IA HUD Metro FMR Area | $340,000 | $431,000 |
| Boone County, IA | $306,000 | $391,000 |
| Bremer County, IA HUD Metro FMR Area | $340,000 | $449,000 |
| Buchanan County, IA | $306,000 | $408,000 |
| Buena Vista County, IA | $306,000 | $391,000 |
| Butler County, IA | $306,000 | $391,000 |
| Calhoun County, IA | $306,000 | $391,000 |
| Carroll County, IA | $306,000 | $391,000 |
| Cass County, IA | $306,000 | $391,000 |
| Cedar County, IA | $306,000 | $408,000 |
| Cedar Rapids, IA HUD Metro FMR Area | $357,000 | $466,000 |
| Cerro Gordo County, IA | $306,000 | $391,000 |
| Cherokee County, IA | $306,000 | $391,000 |
| Chickasaw County, IA | $306,000 | $391,000 |
| Clarke County, IA | $306,000 | $391,000 |
| Clay County, IA | $306,000 | $391,000 |
| Clayton County, IA | $306,000 | $391,000 |
| Clinton County, IA | $306,000 | $391,000 |
| Crawford County, IA | $306,000 | $391,000 |
| Davenport-Moline-Rock Island, IA-IL MSA | $306,000 | $391,000 |
| Davis County, IA | $306,000 | $391,000 |
| Decatur County, IA | $306,000 | $391,000 |
| Delaware County, IA | $306,000 | $408,000 |
| Des Moines County, IA | $306,000 | $391,000 |
| Des Moines-West Des Moines, IA MSA | $357,000 | $449,000 |
| Dickinson County, IA | $323,000 | $408,000 |
| Dubuque, IA MSA | $323,000 | $417,000 |
| Emmet County, IA | $306,000 | $391,000 |
| Fayette County, IA | $306,000 | $391,000 |
| Floyd County, IA | $306,000 | $391,000 |
| Franklin County, IA | $306,000 | $391,000 |
| Fremont County, IA | $306,000 | $391,000 |
| Greene County, IA | $306,000 | $391,000 |
| Grundy County, IA SEA | $306,000 | $391,000 |
| Hamilton County, IA | $306,000 | $391,000 |
| Hancock County, IA | $306,000 | $391,000 |
| Hardin County, IA | $306,000 | $391,000 |
| Henry County, IA | $306,000 | $391,000 |
| Howard County, IA | $306,000 | $391,000 |
| Humboldt County, IA | $306,000 | $391,000 |
| Ida County, IA | $306,000 | $391,000 |
| Iowa City, IA HUD Metro FMR Area | $374,000 | $483,000 |
| Iowa County, IA | $306,000 | $391,000 |
| Jackson County, IA | $306,000 | $391,000 |
| Jasper County, IA | $306,000 | $391,000 |
| Jefferson County, IA | $306,000 | $391,000 |
| Jones County, IA HUD Metro FMR Area | $306,000 | $391,000 |
| Keokuk County, IA | $306,000 | $391,000 |
| Kossuth County, IA | $306,000 | $391,000 |
| Lee County, IA | $306,000 | $391,000 |
| Louisa County, IA | $306,000 | $391,000 |
| Lucas County, IA | $306,000 | $391,000 |
| Lyon County, IA | $306,000 | $391,000 |
| Mahaska County, IA | $306,000 | $391,000 |
| Marion County, IA | $306,000 | $391,000 |
| Marshall County, IA | $306,000 | $391,000 |
| Mitchell County, IA | $306,000 | $391,000 |
| Monona County, IA | $306,000 | $391,000 |
| Monroe County, IA | $306,000 | $391,000 |
| Montgomery County, IA | $306,000 | $391,000 |
| Muscatine County, IA | $306,000 | $391,000 |
| O'Brien County, IA | $306,000 | $391,000 |
| Omaha-Council Bluffs, NE-IA HUD Metro FMR Area | $340,000 | $449,000 |
| Osceola County, IA | $306,000 | $391,000 |
| Page County, IA | $306,000 | $391,000 |
| Palo Alto County, IA | $306,000 | $391,000 |
| Plymouth County, IA HUD Metro FMR Area | $306,000 | $408,000 |
| Pocahontas County, IA | $306,000 | $391,000 |
| Poweshiek County, IA | $306,000 | $391,000 |
| Ringgold County, IA | $306,000 | $391,000 |
| Sac County, IA | $306,000 | $391,000 |
| Shelby County, IA | $306,000 | $391,000 |
| Sioux City, IA-NE-SD HUD Metro FMR Area | $306,000 | $391,000 |
| Sioux County, IA | $306,000 | $408,000 |
| Tama County, IA | $306,000 | $391,000 |
| Taylor County, IA | $306,000 | $391,000 |
| Union County, IA | $306,000 | $391,000 |
| Van Buren County, IA | $306,000 | $391,000 |
| Wapello County, IA | $306,000 | $391,000 |
| Washington County, IA HUD Metro FMR Area | $306,000 | $391,000 |
| Waterloo-Cedar Falls, IA HUD Metro FMR Area | $306,000 | $391,000 |
| Wayne County, IA | $306,000 | $391,000 |
| Webster County, IA | $306,000 | $391,000 |
| Winnebago County, IA | $306,000 | $391,000 |
| Winneshiek County, IA | $306,000 | $408,000 |
| Worth County, IA | $306,000 | $391,000 |
| Wright County, IA | $306,000 | $391,000 |
