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 $78,200 $103,200
Adams $78,200 $103,200
Allamakee $78,200 $103,200
Appanoose $78,200 $103,200
Audubon $78,200 $103,200
Benton $86,600 $114,300
Black Hawk $78,200 $103,200
Boone $82,950 $109,500
Bremer $90,500 $119,450
Buchanan $83,150 $109,750
Buena Vista $78,200 $103,200
Butler $78,200 $103,200
Calhoun $78,200 $103,200
Carroll $78,800 $104,000
Cass $78,200 $103,200
Cedar $81,800 $108,000
Cerro Gordo $78,200 $103,200
Cherokee $78,200 $103,200
Chickasaw $78,200 $103,200
Clarke $78,200 $103,200
Clay $78,200 $103,200
Clayton $78,200 $103,200
Clinton $78,200 $103,200
Crawford $78,200 $103,200
Dallas $94,500 $124,750
Davis $78,200 $103,200
Decatur $78,200 $103,200
Delaware $80,350 $106,050
Des Moines $78,200 $103,200
Dickinson $81,100 $107,050
Dubuque $79,800 $105,350
Emmet $78,200 $103,200
Fayette $78,200 $103,200
Floyd $78,200 $103,200
Franklin $78,200 $103,200
Fremont $78,200 $103,200
Greene $78,200 $103,200
Grundy $78,200 $103,200
Guthrie $94,500 $124,750
Hamilton $78,200 $103,200
Hancock $78,200 $103,200
Hardin $80,500 $106,250
Harrison $86,250 $113,850
Henry $78,200 $103,200
Howard $78,200 $103,200
Humboldt $75,650 $103,200
Ida $78,200 $103,200
Iowa $86,700 $114,450
Jackson $78,200 $103,200
Jasper $78,200 $103,200
Jefferson $78,200 $103,200
Johnson $97,750 $129,050
Jones $78,200 $102,150
Keokuk $78,200 $103,200
Kossuth $78,200 $103,200
Lee $78,200 $103,200
Linn $91,850 $121,250
Louisa $78,200 $103,200
Lucas $78,200 $103,200
Lyon $78,200 $103,200
Madison $94,500 $124,750
Mahaska $78,200 $103,200
Marion $84,150 $111,100
Marshall $78,200 $103,200
Mills $86,250 $113,850
Mitchell $79,000 $104,300
Monona $78,200 $103,200
Monroe $78,200 $103,200
Montgomery $78,200 $103,200
Muscatine $78,200 $103,200
O’Brien $78,200 $103,200
Osceola $78,200 $103,200
Page $78,200 $103,200
Palo Alto $78,200 $103,200
Plymouth $87,600 $115,650
Pocahontas $78,200 $103,200
Polk $94,500 $124,750
Pottawattamie $86,250 $113,850
Poweshiek $82,000 $108,250
Ringgold $78,200 $103,200
Sac $78,200 $103,200
Scott $79,150 $104,500
Shelby $78,200 $103,200
Sioux $81,300 $107,300
Story $92,000 $121,450
Tama $78,200 $103,200
Taylor $78,200 $103,200
Union $78,200 $103,200
Van Buren $78,200 $103,200
Wapello $78,200 $103,200
Warren $94,500 $124,750
Washington $82,350 $108,700
Wayne $78,200 $103,200
Webster $78,200 $103,200
Winnebago $78,200 $103,200
Winneshiek $79,150 $104,500
Woodbury $78,200 $103,200
Worth $78,200 $103,200
Wright $78,200 $103,200
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