FHA VS Conventional loan programs in Apple-Valley, Dakota County, Minnesota

As of 2025, the loan limit for a conventional mortgage in the county of Dakota, located in Apple-Valley, MN, is $647,200. In contrast, the FHA limit for a single-family home is $448,500.

Utilize the Lendersa® Conventional loan calculator to weigh the best current rates between Conventional, FHA, and USDA loans. Determine what financials like income, credit score, reserves, and documentation are needed to qualify. Our detailed mortgage calculator lets you compare Conventional conforming, USDA, FHA, and VA loans side by side, assisting you in selecting the most suitable program for your financial scenario in MN.

Compare loan offers from a selection of 100 lenders

2025 Loan Limits and Down Payment Requirements in Apple-Valley, Dakota, MN

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $322,000 0%
FHA $448,500 3.5%

The table above applies to the following zip codes: 55124

Explore Conventional and FHA Loan Options in Apple-Valley, MN

At Lendersa®, our goal is to quickly provide you with the most favorable Conventional, USDA, or FHA loan minus any complications. Start by choosing one of the three paths that align you with matching lenders and loan programs.

Results of Lendersa USDA loan request and matching


  • Martin Blair - EMB Lenders
  • 141 Prosperous Place, Suite 25, Lexington, KY, 40509
  • Our team of mortgage professionals, led by Martin Blair, has well over a century of experience "making home happen". Powered by EMB Lenders, a Division of Mid America Mortgage Inc, our team has nationwide reach but provides a personalized, hands-on loan experience. We are currently licensed to provide mortgages in-house.
  • CBGC Mortgage Kentucky
  • 2333 Alexandria Drive, Lexington, KY, 40509
  • CBGC LLC is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time.
  • Pro Mortgages LLC
  • 153 Prosperous Place, Suite 2B, Lexington, KY, 40509
  • At Pro Mortgages LLC You can trust us to find the loan program that’s best for you. When you decide to buy a home or refinance a mortgage, it’s a big step. Buying a new home is a source of anxiety, frustration — and a huge sense of accomplishment. You didn’t pick the house that was best for someone else,
  • MSI Lending of Lexington
  • 3270 Blazer Parkway, Suite 202, Lexington, KY, 40509
  • At MSI Lending of Lexington we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • Lakeview Federal Credit Union
  • 2909 State Road, Ashtabula, OH, 44004
  • Lakeview Federal Credit Union has been open since 1961. The credit union has assets totaling $144.38 Million and provides banking services to more than 9, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • Northern Colorado Credit Union
  • 2901 S. 27th Avenue, Greeley, CO, 80631
  • Since 1935, our mission at NCCU has been to provide members with friendly service and affordable financial products so they can reach their financial goals. More than 84 years later, we proudly provide membership to everyone living and working in Weld and Larimer County communities.
  • St. Joseph's Federal Credit Union
  • 1811 Whipple Avenue NW, Canton, OH, 44708
  • St. Joseph’s Federal Credit Union was chartered on March 9th, 1942. 1942 marked the beginning of World War II and it was also the beginning of St. Joseph’s Federal Credit Union in January 1942. The nine members of St. Joseph’s Roman Catholic Parish in Canton, Ohio who chartered our credit union with Farm Credit Administration
  • The First National Bank at Paris
  • 11 E Main St, Paris, AR, 72855
  • The First National Bank at Paris was established in 1891 as The Bank of Paris by a group of local businessmen who had a deep commitment to the people of Paris and Logan County. At that time, Paris was a bustling community of 600 people. Founded by W.R. Cherry, the bank occupied the first floor.
  • The Stoffer Mortgage Company Inc
  • 100 30th St Nw, Suite 106, Canton, OH, 44709
  • Stoffer Mortgage is a mortgage services company based in Canton, Ohio. We offer conventional, FHA, USDA, jumbo, and VA mortgages for residential transactions to purchase or refinance one to four-unit dwellings. These properties can be utilized for owner occupancy, vacation/second homes, or investment.