USDA Guaranteed Loans are the most popular rural development mortgage program in Iowa. Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.
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Search USDA Direct Loan Limits (for low income applicants)
This approach means that the maximum loan limits for Guaranteed Loans are variable, with Iowa USDA income limits playing a major role. Guaranteed Loan income limits across IA are listed below.
Iowa USDA Guaranteed Loan Income Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Adair County, IA | $86,850 | $114,650 |
| Adams County, IA | $86,850 | $114,650 |
| Allamakee County, IA | $86,850 | $114,650 |
| Ames, IA MSA | $100,850 | $133,100 |
| Appanoose County, IA | $86,850 | $114,650 |
| Audubon County, IA | $86,850 | $114,650 |
| Benton County, IA HUD Metro FMR Area | $95,100 | $125,550 |
| Boone County, IA | $86,850 | $114,650 |
| Bremer County, IA HUD Metro FMR Area | $98,900 | $130,550 |
| Buchanan County, IA | $88,100 | $116,300 |
| Buena Vista County, IA | $86,850 | $114,650 |
| Butler County, IA | $86,850 | $114,650 |
| Calhoun County, IA | $86,850 | $114,650 |
| Carroll County, IA | $86,850 | $114,650 |
| Cass County, IA | $86,850 | $114,650 |
| Cedar County, IA | $88,550 | $116,900 |
| Cedar Rapids, IA HUD Metro FMR Area | $102,700 | $135,550 |
| Cerro Gordo County, IA | $86,850 | $114,650 |
| Cherokee County, IA | $86,850 | $114,650 |
| Chickasaw County, IA | $86,850 | $114,650 |
| Clarke County, IA | $86,850 | $114,650 |
| Clay County, IA | $86,850 | $114,650 |
| Clayton County, IA | $86,850 | $114,650 |
| Clinton County, IA | $86,850 | $114,650 |
| Crawford County, IA | $86,850 | $114,650 |
| Davenport-Moline-Rock Island, IA-IL MSA | $86,850 | $114,650 |
| Davis County, IA | $86,850 | $114,650 |
| Decatur County, IA | $86,850 | $114,650 |
| Delaware County, IA | $87,250 | $115,150 |
| Des Moines County, IA | $86,850 | $114,650 |
| Des Moines-West Des Moines, IA MSA | $100,650 | $132,850 |
| Dickinson County, IA | $90,850 | $119,900 |
| Dubuque, IA MSA | $93,600 | $123,550 |
| Emmet County, IA | $86,850 | $114,650 |
| Fayette County, IA | $86,850 | $114,650 |
| Floyd County, IA | $86,850 | $114,650 |
| Franklin County, IA | $86,850 | $114,650 |
| Fremont County, IA | $86,850 | $114,650 |
| Greene County, IA | $86,850 | $114,650 |
| Grundy County, IA SEA | $86,850 | $114,650 |
| Hamilton County, IA | $86,850 | $114,650 |
| Hancock County, IA | $86,850 | $114,650 |
| Hardin County, IA | $86,850 | $114,650 |
| Henry County, IA | $86,850 | $114,650 |
| Howard County, IA | $86,850 | $114,650 |
| Humboldt County, IA | $86,850 | $114,650 |
| Ida County, IA | $86,850 | $114,650 |
| Iowa City, IA HUD Metro FMR Area | $108,550 | $143,300 |
| Iowa County, IA | $86,850 | $114,650 |
| Jackson County, IA | $86,850 | $114,650 |
| Jasper County, IA | $86,850 | $114,650 |
| Jefferson County, IA | $86,850 | $114,650 |
| Jones County, IA HUD Metro FMR Area | $86,850 | $114,650 |
| Keokuk County, IA | $86,850 | $114,650 |
| Kossuth County, IA | $86,850 | $114,650 |
| Lee County, IA | $86,850 | $114,650 |
| Louisa County, IA | $86,850 | $114,650 |
| Lucas County, IA | $86,850 | $114,650 |
| Lyon County, IA | $86,850 | $114,650 |
| Mahaska County, IA | $86,850 | $114,650 |
| Marion County, IA | $86,850 | $114,650 |
| Marshall County, IA | $86,850 | $114,650 |
| Mitchell County, IA | $86,850 | $114,650 |
| Monona County, IA | $86,850 | $114,650 |
| Monroe County, IA | $86,850 | $114,650 |
| Montgomery County, IA | $86,850 | $114,650 |
| Muscatine County, IA | $86,850 | $114,650 |
| O'Brien County, IA | $86,850 | $114,650 |
| Omaha-Council Bluffs, NE-IA HUD Metro FMR Area | $98,900 | $130,550 |
| Osceola County, IA | $86,850 | $114,650 |
| Page County, IA | $86,850 | $114,650 |
| Palo Alto County, IA | $86,850 | $114,650 |
| Plymouth County, IA HUD Metro FMR Area | $87,600 | $115,650 |
| Pocahontas County, IA | $86,850 | $114,650 |
| Poweshiek County, IA | $86,850 | $114,650 |
| Ringgold County, IA | $86,850 | $114,650 |
| Sac County, IA | $86,850 | $114,650 |
| Shelby County, IA | $86,850 | $114,650 |
| Sioux City, IA-NE-SD HUD Metro FMR Area | $86,850 | $114,650 |
| Sioux County, IA | $88,550 | $116,900 |
| Tama County, IA | $86,850 | $114,650 |
| Taylor County, IA | $86,850 | $114,650 |
| Union County, IA | $86,850 | $114,650 |
| Van Buren County, IA | $86,850 | $114,650 |
| Wapello County, IA | $86,850 | $114,650 |
| Washington County, IA HUD Metro FMR Area | $86,850 | $114,650 |
| Waterloo-Cedar Falls, IA HUD Metro FMR Area | $86,850 | $114,650 |
| Wayne County, IA | $86,850 | $114,650 |
| Webster County, IA | $86,850 | $114,650 |
| Winnebago County, IA | $86,850 | $114,650 |
| Winneshiek County, IA | $87,550 | $115,550 |
| Worth County, IA | $86,850 | $114,650 |
| Wright County, IA | $86,850 | $114,650 |
