We encourage users to use the free NMLS Consumer Access Link to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.

THE FHA IN IOWA

FHA loans have been helping Iowa residents since 1934

A licensed Iowa FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing

Iowa First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in Iowa with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Iowa FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.

Iowa FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you are not left to figure out everything completely on your own.

Iowa FHA Home Loan

How it works:

√ Determine the type of FHA Government Loan that best fits your needs.

√ Complete an easy 2 minute application form.

√ We will forward your application to one and only one FHA Approved Lender who can best help you based upon:

The type of loan you requested
Your down-payment (if purchase loan)
The location (State) your property is located
Your credit history
The best rate available for your loan

√ An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you.

√ Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

√ Review with no obligations your FHA Loan Pre-approval and locked rate.

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.

Iowa FHA Lending Limits 2022

Iowa Median Home Sale Price Price $155,000

County Name	Single	Duplex	3 Unit	4 Unit
ADAIR	$275,665	$352,950	$426,625	$530,150

ADAMS	$275,665	$352,950	$426,625	$530,150

ALLAMAKEE	$275,665	$352,950	$426,625	$530,150

APPANOOSE	$275,665	$352,950	$426,625	$530,150
NON-METRO
AUDUBON	$275,665	$352,950	$426,625	$530,150
BENTON	$275,665	$352,950	$426,625	$530,150
CEDAR RAPIDS, IA
BLACK HAWK	$275,665	$352,950	$426,625	$530,150
WATERLOO-CEDAR FALLS, IA
BOONE	$275,665	$352,950	$426,625	$530,150
BOONE, IA
BREMER	$275,665	$352,950	$426,625	$530,150
WATERLOO-CEDAR FALLS, IA
BUCHANAN	$275,665	$352,950	$426,625	$530,150
BUENA VISTA	$275,665	$352,950	$426,625	$530,150
STORM LAKE, IA
BUTLER	$275,665	$352,950	$426,625	$530,150
NON-METRO
CALHOUN	$275,665	$352,950	$426,625	$530,150
CARROLL	$275,665	$352,950	$426,625	$530,150
CASS	$275,665	$352,950	$426,625	$530,150
CEDAR	$275,665	$352,950	$426,625	$530,150
CERRO GORDO	$275,665	$352,950	$426,625	$530,150
MASON CITY, IA

CHEROKEE	$275,665	$352,950	$426,625	$530,150
CHICKASAW	$275,665	$352,950	$426,625	$530,150
CLARKE	$275,665	$352,950	$426,625	$530,150
NON-METRO
CLAY	$275,665	$352,950	$426,625	$530,150
SPENCER, IA
CLAYTON	$275,665	$352,950	$426,625	$530,150
CLINTON	$275,665	$352,950	$426,625	$530,150
CLINTON, IA
CRAWFORD	$275,665	$352,950	$426,625	$530,150
DALLAS	$275,665	$352,950	$426,625	$530,150
DES MOINES-WEST DES MOINES, IA
DAVIS	$275,665	$352,950	$426,625	$530,150
OTTUMWA, IA
DECATUR	$275,665	$352,950	$426,625	$530,150
DELAWARE	$275,665	$352,950	$426,625	$530,150
NON-METRO
DES MOINES	$275,665	$352,950	$426,625	$530,150
BURLINGTON, IA-IL
DICKINSON	$275,665	$352,950	$426,625	$530,150
SPIRIT LAKE, IA
DUBUQUE	$275,665	$352,950	$426,625	$530,150
DUBUQUE, IA
EMMET	$275,665	$352,950	$426,625	$530,150
FAYETTE	$275,665	$352,950	$426,625	$530,150
FLOYD	$275,665	$352,950	$426,625	$530,150
FRANKLIN	$275,665	$352,950	$426,625	$530,150
FREMONT	$275,665	$352,950	$426,625	$530,150
NON-METRO
GREENE	$275,665	$352,950	$426,625	$530,150
GRUNDY	$275,665	$352,950	$426,625	$530,150
WATERLOO-CEDAR FALLS, IA
GUTHRIE	$275,665	$352,950	$426,625	$530,150
DES MOINES-WEST DES MOINES, IA
HAMILTON	$275,665	$352,950	$426,625	$530,150
HANCOCK	$275,665	$352,950	$426,625	$530,150

HARDIN	$275,665	$352,950	$426,625	$530,150

HARRISON	$275,665	$352,950	$426,625	$530,150
OMAHA-COUNCIL BLUFFS, NE-IA
HENRY	$275,665	$352,950	$426,625	$530,150
HOWARD	$275,665	$352,950	$426,625	$530,150
HUMBOLDT	$275,665	$352,950	$426,625	$530,150
IDA	$275,665	$352,950	$426,625	$530,150
IOWA	$275,665	$352,950	$426,625	$530,150
JACKSON	$275,665	$352,950	$426,625	$530,150

JASPER	$275,665	$352,950	$426,625	$530,150
NEWTON, IA

JEFFERSON	$275,665	$352,950	$426,625	$530,150
FAIRFIELD, IA
JOHNSON	$275,665	$352,950	$426,625	$530,150
IOWA CITY, IA
JONES	$275,665	$352,950	$426,625	$530,150
CEDAR RAPIDS, IA
KEOKUK	$275,665	$352,950	$426,625	$530,150
KOSSUTH	$275,665	$352,950	$426,625	$530,150
LEE	$275,665	$352,950	$426,625	$530,150
FORT MADISON-KEOKUK, IA-IL-MO

LINN	$275,665	$352,950	$426,625	$530,150
CEDAR RAPIDS, IA

LOUISA	$275,665	$352,950	$426,625	$530,150

LUCAS	$275,665	$352,950	$426,625	$530,150
NON-METRO
LYON	$275,665	$352,950	$426,625	$530,150
MADISON	$275,665	$352,950	$426,625	$530,150
DES MOINES-WEST DES MOINES, IA
MAHASKA	$275,665	$352,950	$426,625	$530,150
OSKALOOSA, IA
MARION	$275,665	$352,950	$426,625	$530,150
MARSHALL	$275,665	$352,950	$426,625	$530,150
MARSHALLTOWN, IA

MILLS	$275,665	$352,950	$426,625	$530,150
OMAHA-COUNCIL BLUFFS, NE-IA
MITCHELL	$275,665	$352,950	$426,625	$530,150
MONONA	$275,665	$352,950	$426,625	$530,150
NON-METRO
MONROE	$275,665	$352,950	$426,625	$530,150
MONTGOMERY	$275,665	$352,950	$426,625	$530,150
MUSCATINE	$275,665	$352,950	$426,625	$530,150
MUSCATINE, IA
O'BRIEN	$275,665	$352,950	$426,625	$530,150
OSCEOLA	$275,665	$352,950	$426,625	$530,150

PAGE	$275,665	$352,950	$426,625	$530,150

PALO ALTO	$275,665	$352,950	$426,625	$530,150

PLYMOUTH	$275,665	$352,950	$426,625	$530,150
SIOUX CITY, IA-NE-SD
POCAHONTAS	$275,665	$352,950	$426,625	$530,150
POLK	$275,665	$352,950	$426,625	$530,150
DES MOINES-WEST DES MOINES, IA
POTTAWATTAMIE	$275,665	$352,950	$426,625	$530,150
OMAHA-COUNCIL BLUFFS, NE-IA
POWESHIEK	$275,665	$352,950	$426,625	$530,150
RINGGOLD	$275,665	$352,950	$426,625	$530,150

SAC	$275,665	$352,950	$426,625	$530,150

SCOTT	$275,665	$352,950	$426,625	$530,150
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL
SHELBY	$275,665	$352,950	$426,625	$530,150
SIOUX	$275,665	$352,950	$426,625	$530,150
STORY	$275,665	$352,950	$426,625	$530,150
AMES, IA
TAMA	$275,665	$352,950	$426,625	$530,150
TAYLOR	$275,665	$352,950	$426,625	$530,150

UNION	$275,665	$352,950	$426,625	$530,150

VAN BUREN	$275,665	$352,950	$426,625	$530,150

WAPELLO	$275,665	$352,950	$426,625	$530,150
OTTUMWA, IA
WARREN	$275,665	$352,950	$426,625	$530,150
DES MOINES-WEST DES MOINES, IA
WASHINGTON	$275,665	$352,950	$426,625	$530,150
IOWA CITY, IA
WAYNE	$275,665	$352,950	$426,625	$530,150
WEBSTER	$275,665	$352,950	$426,625	$530,150
FORT DODGE, IA
WINNEBAGO	$275,665	$352,950	$426,625	$530,150
WINNESHIEK	$275,665	$352,950	$426,625	$530,150
WOODBURY	$275,665	$352,950	$426,625	$530,150
SIOUX CITY, IA-NE-SD
WORTH	$275,665	$352,950	$426,625	$530,150
MASON CITY, IA

FHA Loan Information

The FHA does not lend money. The FHA (Federal Housing Administration) is part of HUD & backs individual Approved Lenders.

Our responsibility is to help you find the best FHA Approved Lender who can help you secure financing.

When you fill in our short application we will provide your information to one, (and only one) FHA Approved Lender who can help you based upon many factors, including your Credit Score, your State Location, and the Type of Loan you apply for. Our responsibility is to help you find the best FHA Approved Lender who can help you secure financing.

Note: We are not affiliated with the Federal Housing Administration, the Department of Housing and Urban Development, or any other government agency. We are an FHA Educational Resource.

Read more

FHA News & Information

Last week's drop in interest rates sparked a surge in purchase mortgage application volume for the first time in over a month.

FHA Government Loans | 4301 50th St. NW | Suite 300 | Washington DC 20016

FHA Government Loans .org is a not a lender or a mortgage broker. We do not direct market by phone or email consumers. We do not provide any loans, loan modifications or foreclosure services. Note- FHA Government Loans .org is not affiliated with HUD or FHA and is not a government agency. FHA Government Loans .org is a website that provides information about mortgages and loans and does not offer loans or mortgages directly or indirectly through and representatives or agents. Any request for mortgages will be arranged by third party providers We do not direct market by phone or email towards consumers. FHA Government Loans .org is known as Mortgage Information Technologies LLC in lieu of true name, is a news and information service providing Federal Housing Authority news, content and directory information relative to mortgages and loans. We are not responsible for the accuracy of information and/or interest rates represented and we are under the assumption that all content is in accordance with the Copyright Policies of the United States of America and territories If you are suspicious of any fraudulent activities or if you have any questions Contact Us or your local HUD Agency or the Office of the Inspector General.