Current FHA Mortgage Rates in IA - Iowa FHA Mortgage
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The mortgage products on HSH.com are from companies from which HSH.com may receive compensation. Compensation may impact where products appear on HSH.com (including the order in which they appear). HSH.com does not include all mortgage companies or all types of products available in the marketplace.
The rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the HSH quotes. Annual percentage rate in ARM products may increase after the loan is closed. These quotes are from banks, thrifts and brokers who have paid for a link to their website in the listings above and you can find additional information about their loan programs on their websites.
Some data is provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.
Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.
**Requesting prequalified rates on Credible is free and doesn’t affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
The rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the HSH quotes. Annual percentage rate in ARM products may increase after the loan is closed. These quotes are from banks, thrifts and brokers who have paid for a link to their website in the listings above and you can find additional information about their loan programs on their websites.
Some data is provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.
Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.
**Requesting prequalified rates on Credible is free and doesn’t affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
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Iowa Mortgages
2023 FHA Loan Limits for Iowa
FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.
FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.
Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.
FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2023 FHA loan limits for each county in Iowa are below.
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Select County
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| County Name | One Family | Two Family | Three Family | Four Family |
|---|
| Adair | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Adams | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Allamakee | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Appanoose | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Audubon | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Benton | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Black Hawk | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Boone | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Bremer | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Buchanan | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Buena Vista | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Butler | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Calhoun | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Carroll | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Cass | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Cedar | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Cerro Gordo | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Cherokee | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Chickasaw | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Clarke | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Clay | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Clayton | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Clinton | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Crawford | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Dallas | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Davis | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Decatur | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Delaware | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Des Moines | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Dickinson | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Dubuque | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Emmet | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Fayette | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Floyd | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Franklin | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Fremont | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Greene | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Grundy | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Guthrie | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Hamilton | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Hancock | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Hardin | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Harrison | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Henry | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Howard | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Humboldt | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Ida | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Iowa | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Jackson | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Jasper | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Jefferson | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Johnson | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Jones | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Keokuk | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Kossuth | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Lee | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Linn | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Louisa | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Lucas | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Lyon | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Madison | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Mahaska | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Marion | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Marshall | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Mills | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Mitchell | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Monona | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Monroe | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Montgomery | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Muscatine | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| O'brien | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Osceola | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Page | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Palo Alto | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Plymouth | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Pocahontas | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Polk | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Pottawattamie | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Poweshiek | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Ringgold | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Sac | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Scott | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Shelby | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Sioux | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Story | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Tama | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Taylor | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Union | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Van Buren | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Wapello | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Warren | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Washington | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Wayne | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Webster | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Winnebago | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Winneshiek | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Woodbury | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Worth | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |
| Wright | One Family$472,030 | Two Family$604,400 | Three Family$730,525 | Four Family$907,900 |