2026 loan limits in Scott County, Iowa
In Scott County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Scott County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Scott County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Scott County?
$541,287 for a one-unit home.
More for Scott County
Scott County property taxesFHA loan limits toolIowa closing costsBettendorf 52722 market dataBlue Grass 52726 market dataBuffalo 52728 market dataDavenport 52802 market dataDavenport 52803 market dataDavenport 52804 market dataDavenport 52806 market dataDavenport 52807 market dataDixon 52745 market dataDonahue 52746 market data
2026 limits from HUD’s county files (Davenport-Moline-Rock Island, Ia-Il). Conforming limits are set by the Federal Housing Finance Agency.