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

In 2025, 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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2025 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


  • Wilshire Quinn Capital
  • 11601 Wilshire Blvd., Suite 500, Los Angeles, CA, 90025
  • Since 2004, Wilshire Quinn Capital Inc. has been a leader in the capital markets. It is a direct portfolio lender that originates bridge loans secured by real estate located primarily in California. Today Wilshire Quinn Capital serves as the Fund’s managing partner, actively working to provide fast, reliable funding for our borrowers and consiste
  • iBorrow
  • 12100 Wilshire Boulevard, Suite 520, LOS ANGELES, CA, 90025
  • iBorrow is a direct lender that provides short term bridge financing of up to $25 million to commercial property owners at fixed interest rates on a non-recourse basis. iBorrow has completed more than $350 million worth of transactions and lends on all property types throughout the United States.
  • Rodeo Capital
  • 11601 Wilshire Boulevard Suite 2410, LOS ANGELES, CA, 90025
  • Rodeo Lending is a direct lender specializing in commercial real estate bridge loans nationwide. Rodeo Lending is dedicated to providing alternative financing options to those that dont fit into the conventional lending system.With creativity & experience, we are confident that we can accommodate most financing needs through a personal relationship
  • Mortgage Help Los Angeles
  • 11901 Santa Monica Blvd Suite 110, Los Angeles, CA, 90025
  • "Bill has substantial experience handling jumbo loans($750,000 – $6,000,000), for both residential and commercial properties, as well as the many, related complex issues. Bill vast resources assure you of finding the best possible rates and terms Alternative Documentation Loans Low Credit Score Refinancing Mortgages
  • Fidelity Mortgage Lenders, Inc.
  • 11952 Wilshire Boulevard, Los Angeles, CA, 90025
  • Fidelity Mortgage Lenders, Inc. has been funding real estate loans in Southern California since 1971. At Fidelity Mortgage Lenders, we base our loan qualifications on the property value, not on the borrowers’ credit. We can fund your next Commercial Real Estate Loans, whether small or large. No Tax Returns, Fast Funding.
  • Dominion Mortgage
  • 1990 S. Bundy Drive, Suite 640, Los Angeles, CA, 90025
  • Dominion Mortgage Corporation is a privately held real estate mortgage lender that finances income-producing commercial and healthcare properties nationwide. Founded in 1977 in West Los Angeles, California, Dominion was formed to provide time-sensitive, fair and creative underwriting solutions to fund your mortgage loan.
  • CoreVest
  • 11601 Wilshire Blvd., Suite 370, Los Angeles, CA, 90025
  • CoreVest is a private lender that specializes in loans to residential real estate investors. We offer long-term loans for stabilized rental properties and portfolios, short-term bridge loans and credit lines for acquisitions, as well as construction financing and build to rent loans.
  • Patch of Land
  • 1964 Westwood Blvd, Suite 350, Los Angeles, CA, 90025
  • Patch of Land is crowdfunding real estate through its P2RE (peer-to-peer) online marketplace offering various typologies of secured real estate debt on assets backed by first position liens and personal guarantees.We make it possible to invest and make a good return while also contributing to something good.
  • Mortgage Lending Consulting
  • 4542 Ruffner Street, Suite 240, San Diego, CA, 92111
  • Mortgage Lending Consulting Group Corp (MLCG) has experts available to assist with your mortgage needs. You will benefit from our 29 years of experience, specializing in providing Fannie Mae, FHA and VA insured mortgages. We will personally guide you through the entire process of refinancing your current home loan
  • Hampton Mortgage Group
  • 11323 E San Raphael Driveway, San Diego, CA, 92111
  • Hampton Mortgage Group are a buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Clear Pacific Capital, Inc.
  • 7840 Stalmer Street, Suite B15, San Diego, CA, 92111
  • 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.