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$272,000$357,000
Adams County, IA$272,000$357,000
Allamakee County, IA$272,000$357,000
Ames, IA MSA$323,000$417,000
Appanoose County, IA$272,000$357,000
Audubon County, IA$272,000$357,000
Benton County, IA HUD Metro FMR Area$289,000$391,000
Boone County, IA$289,000$374,000
Bremer County, IA HUD Metro FMR Area$306,000$408,000
Buchanan County, IA$289,000$374,000
Buena Vista County, IA$272,000$357,000
Butler County, IA$272,000$357,000
Calhoun County, IA$272,000$357,000
Carroll County, IA$272,000$357,000
Cass County, IA$272,000$357,000
Cedar County, IA$289,000$374,000
Cedar Rapids, IA HUD Metro FMR Area$306,000$408,000
Cerro Gordo County, IA$272,000$357,000
Cherokee County, IA$272,000$357,000
Chickasaw County, IA$272,000$357,000
Clarke County, IA$272,000$357,000
Clay County, IA$272,000$357,000
Clayton County, IA$272,000$357,000
Clinton County, IA$272,000$357,000
Crawford County, IA$272,000$357,000
Davenport-Moline-Rock Island, IA-IL MSA$272,000$357,000
Davis County, IA$272,000$357,000
Decatur County, IA$272,000$357,000
Delaware County, IA$289,000$374,000
Des Moines County, IA$272,000$357,000
Des Moines-West Des Moines, IA MSA$306,000$408,000
Dickinson County, IA$272,000$357,000
Dubuque, IA MSA$272,000$374,000
Emmet County, IA$272,000$357,000
Fayette County, IA$272,000$357,000
Floyd County, IA$272,000$357,000
Franklin County, IA$272,000$357,000
Fremont County, IA$272,000$357,000
Greene County, IA$272,000$357,000
Grundy County, IA SEA$272,000$357,000
Hamilton County, IA$272,000$357,000
Hancock County, IA$272,000$357,000
Hardin County, IA$272,000$357,000
Henry County, IA$272,000$357,000
Howard County, IA$272,000$357,000
Humboldt County, IA$272,000$357,000
Ida County, IA$272,000$357,000
Iowa City, IA HUD Metro FMR Area$323,000$417,000
Iowa County, IA$306,000$391,000
Jackson County, IA$272,000$357,000
Jasper County, IA$272,000$357,000
Jefferson County, IA$272,000$357,000
Jones County, IA HUD Metro FMR Area$272,000$357,000
Keokuk County, IA$272,000$357,000
Kossuth County, IA$272,000$357,000
Lee County, IA$272,000$357,000
Louisa County, IA$272,000$357,000
Lucas County, IA$272,000$357,000
Lyon County, IA$272,000$357,000
Mahaska County, IA$272,000$357,000
Marion County, IA$289,000$374,000
Marshall County, IA$272,000$357,000
Mitchell County, IA$272,000$357,000
Monona County, IA$272,000$357,000
Monroe County, IA$272,000$357,000
Montgomery County, IA$272,000$357,000
Muscatine County, IA$272,000$357,000
O'Brien County, IA$272,000$357,000
Omaha-Council Bluffs, NE-IA HUD Metro FMR Area$289,000$391,000
Osceola County, IA$272,000$357,000
Page County, IA$272,000$357,000
Palo Alto County, IA$272,000$357,000
Plymouth County, IA HUD Metro FMR Area$306,000$408,000
Pocahontas County, IA$272,000$357,000
Poweshiek County, IA$289,000$374,000
Ringgold County, IA$272,000$357,000
Sac County, IA$272,000$357,000
Shelby County, IA$272,000$357,000
Sioux City, IA-NE-SD HUD Metro FMR Area$272,000$357,000
Sioux County, IA$272,000$357,000
Tama County, IA$272,000$357,000
Taylor County, IA$272,000$357,000
Union County, IA$272,000$357,000
Van Buren County, IA$272,000$357,000
Wapello County, IA$272,000$357,000
Washington County, IA HUD Metro FMR Area$272,000$357,000
Waterloo-Cedar Falls, IA HUD Metro FMR Area$272,000$357,000
Wayne County, IA$272,000$357,000
Webster County, IA$272,000$357,000
Winnebago County, IA$272,000$357,000
Winneshiek County, IA$272,000$357,000
Worth County, IA$272,000$357,000
Wright County, IA$272,000$357,000
Get Your Rate Quote
Refinance     Purchase

As seen in: