FHA VS Conventional loan programs in Cold-Spring, Stearns County, Minnesota

In 2026, the maximum limit for a Conventional loan in Cold-Spring, residing in the county of Stearns, MN, is $647,200, whereas the FHA limit for a single-family home is $420,680.

Using the Lendersa® Conventional loan calculator, you can compare the leading rates available today between Conventional, FHA, and USDA loans. Determine what income, credit score, reserves, and documents are necessary to qualify. Our advanced mortgage calculator offers a side-by-side view of Conforming Conventional loans, USDA, FHA, and VA options, helping you choose the best program in MN that fits your financial needs.

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2026 Loan Limits and Downpayment Requirements in Cold-Spring, Stearns, MN

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table is pertinent to zip codes: 56320

Available Conventional and FHA Loan Options in Cold-Spring, MN

Lendersa® aims to secure you the best Conventional, USDA, or FHA loan rapidly and hassle-free. Choose from one of three starting points to find matching lenders and loan programs tailored to your needs.

Lendersa USDA loan request and matching results


  • Shaner Brokerage Corporation
  • 2495 East Orangethorpe Avenue, Suite 110, Fullerton, CA, 92831
  • Shaner Brokerage Corporation is a referral-based, boutique brokerage firm, providing top-notch service to residential buyers and sellers in Southern California. We take a friendly, professional approach to real estate that exceeds client expectations time after time. Our experienced team is well-versed in all aspects of real estate & lending.

  • Simplify Direct, Inc.
  • 2601 East Chapman Avenue, Suite 212, Fullerton, CA, 92831
  • Simplify Direct, Inc goal is to achieve your mortgage needs by mimimizing the red tape through our automated process. You will work directly with a single point of contact from begining to end. Our seasoned mortgage specialist will help you get the perfect mortgage that fits your needs.

  • Rosemont Mortgage
  • 2465 E. Orangethorpe Ave, Fullerton, CA, 92831
  • Here at Rosemont Mortgage we put you first! Our warm, friendly and knowledgeable staff are all geared to be problem solvers. Whether it is finding the most aggressive rate for your purchase or refinance or looking for the right help after being let down by another lender we can and will help.

  • American Sona Mortgage
  • 1500 North Harbor Boulevard, La Habra, CA, 90631
  • American Sona Mortgage specializes in no-Cost Loans for all Californians, including Fixed Rate, Adjustable or Home Equity 1st & 2nd Mortgages.We seek to identify & understand your Mortgage goals in order to professionally tailor a plan that best fits your lending need.Whether you need Cash Out, a Low Monthly Payment we are here to help you.

  • MacLons Capital Mortgage
  • 1001 West Whittier Boulevard, La Habra, CA, 90631
  • MacLons Capital Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools

  • Signature Lenders
  • 3959 Foothill Blvd, Suite 200, La Crescenta, CA, 91214
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan

  • Mass Mortgage
  • 2626 Foothill Boulevard, Suite 204, La Crescenta, CA, 91214
  • Mass Mortgage grew from humble beginnings as an independent broker located in the heart of La Crescenta, California. With two locations in Southern California, we pride ourselves on being knowledgeable, courteous and honest. We believe in working hard for our customers to get them exactly what they need.

  • Par3 Lending Inc.
  • 2629 Foothill Boulevard, Unit 296, La Crescenta, CA, 91214
  • "Par3 Lending, Inc Our #1 goal is client satisfaction. While we always aim and attain the lowest rates at the lowest costs, client satisfaction is our top priority We specialize in purchase & refinance loans for:
    all residential properties (1-4 units)
    all purposes (primary, vacation, investment"

  • Citadel Residential Corporation
  • 3747 Foothill Boulevard, Suite 127, Glendale, CA, 91214
  • Citadel Mortgage Company was founded in 1992 after two Loan Officers from Security Pacific Bank realized that offering programs from only one bank was not the best way to serve our clients. Robert Rivera and Mel Robinson founded Citadel Mortgage Company and over the years have developed relationships with many lenders.

  • Keada Capital Investment Fund1 LLC
  • 3901 Foothill Boulevard, Suite 100, Glendale, CA, 91214
  • KEADA CAPITAL is a Southern California mortgage lender based in Glendale, capable of helping borrowers with credit challenges. We offer low interest rates, professional integrity and personalized customer service. If you're a first time home buyer or looking to refinance your existing mortgage we can help

  • Ichor Financial
  • 3156 Foothill Boulevard, Suite I, La Crescenta, CA, 91214
  • Ichor Financial was created with one goal in mind, saving clients money by providing the lowest rates in the industry. Time and again our rates have beaten not only the major banks but online lenders as well. We actually encourage our clients to shop and compare our rates, something you won't hear from other lenders.