USDA Loans in Iowa

USDA LOAN BENEFITS IN IOWA
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.

USDA LOAN ELIGIBILITY IN IOWA
USDA Loans are generally available in rural and suburban communities of less than 35,000 people. So cities such as Des Moines, Waterloo, and Cedar Falls would not be eligible for a USDA Loan but many of their suburbs do qualify! To know for sure what areas do qualify for a USDA Loan contact one of our agents today.

To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in Iowa.

Income Limits for USDA Loans in Iowa

County Name Family Size 1 -4 Family Size 5 – 8
Adair $75,650 $99,850
Adams $75,650 $99,850
Allamakee $75,650 $99,850
Appanoose $75,650 $99,850
Audubon $75,650 $99,850
Benton $83,800 $110,600
Black Hawk $75,650 $99,850
Boone $82,950 $109,500
Bremer $88,400 $116,700
Buchanan $80,050 $105,650
Buena Vista $75,650 $99,850
Butler $75,650 $99,850
Calhoun $75,650 $99,850
Carroll $76,850 $101,450
Cass $75,650 $99,850
Cedar $81,800 $108,000
Cerro Gordo $75,650 $99,850
Cherokee $75,650 $99,850
Chickasaw $75,650 $99,850
Clarke $75,650 $99,850
Clay $75,650 $99,850
Clayton $75,650 $99,850
Clinton $78,000 $102,950
Crawford $75,650 $99,850
Dallas $86,850 $114,650
Davis $75,650 $99,850
Decatur $75,650 $99,850
Delaware $77,400 $102,150
Des Moines $75,650 $99,850
Dickinson $76,700 $101,250
Dubuque $79,800 $105,350
Emmet $75,650 $99,850
Fayette $75,650 $99,850
Floyd $75,650 $99,850
Franklin $75,650 $99,850
Fremont $75,650 $99,850
Greene $75,650 $99,850
Grundy $75,650 $99,850
Guthrie $86,850 $114,650
Hamilton $75,650 $99,850
Hancock $75,650 $99,850
Hardin $77,250 $101,950
Harrison $83,950 $110,800
Henry $75,650 $99,850
Howard $75,650 $99,850
Humboldt $75,650 $99,850
Ida $75,650 $99,850
Iowa $84,300 $111,300
Jackson $75,650 $99,850
Jasper $75,650 $99,850
Jefferson $75,650 $99,850
Johnson $94,600 $124,850
Jones $77,400 $102,150
Keokuk $75,650 $99,850
Kossuth $75,650 $99,850
Lee $75,650 $99,850
Linn $89,850 $118,600
Louisa $75,650 $99,850
Lucas $75,650 $99,850
Lyon $75,650 $99,850
Madison $86,850 $114,650
Mahaska $75,650 $99,850
Marion $81,200 $107,200
Marshall $75,650 $99,850
Mills $83,950 $110,800
Mitchell $77,500 $102,300
Monona $75,650 $99,850
Monroe $75,650 $99,850
Montgomery $75,650 $99,850
Muscatine $75,700 $99,900
O’Brien $75,650 $99,850
Osceola $77,200 $101,900
Page $75,650 $99,850
Palo Alto $75,650 $99,850
Plymouth $87,600 $115,650
Pocahontas $75,650 $99,850
Polk $86,850 $114,650
Pottawattamie $83,950 $110,800
Poweshiek $80,350 $106,050
Ringgold $75,650 $99,850
Sac $75,650 $99,850
Scott $76,500 $101,000
Shelby $75,650 $99,850
Sioux $78,550 $103,700
Story $90,300 $119,200
Tama $75,650 $99,850
Taylor $75,650 $99,850
Union $75,650 $99,850
Van Buren $75,650 $99,850
Wapello $75,650 $99,850
Warren $86,850 $114,650
Washington $94,600 $124,850
Wayne $75,650 $99,850
Webster $75,650 $99,850
Winnebago $75,650 $99,850
Winneshiek $79,150 $104,500
Woodbury $75,650 $99,850
Worth $75,650 $99,850
Wright $75,650 $99,850
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