FHA VS Conventional loan 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.
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.
Creative, relationship-driven banking with responsive local decisions, Granite Community Bank is a full-service commercial bank serving individuals and businesses for loans, deposits, insurance and investments throughout Minnesota. Granite Bank to help you make the decisions that are right for you and your financial goals.
4140 Thielman Lane, Suite 105, Saint Cloud, MN, 56301
Lends in Minnesota
Stearns Financial Services Inc. (SFSI) is a well-capitalized, $2.3 billion independent financial holding company based in St. Cloud, MN. Founded in 1912, the bank was acquired by Norm Skalicky in 1964. His daughter Kelly Skalicky became president in 2018, and later was named president and CEO.
1532 West St. Germain Street, Saint Cloud, MN, 56301
Lends in Minnesota
Great River Federal Credit Union is dedicated to serving all members in a confidential and professional manner. We are in business to provide you with convenient and efficient financial services. Our mission is "Building lifelong relationships by providing valuable financial services that our members recommend, benefits the community.
Since 1939, Liberty has been providing quality financial services to Central Minnesota residents. As St. Cloud’s only remaining original bank with continuous family-ownership, we recognize our unique obligation to provide quality service on a first name basis. Our focus is providing retail banking services to individual customers.
606 25th Ave South, Suite 101, Saint Cloud, MN, 56301
Lends in Minnesota
"St. Cloud Mortgage, Inc. can give you an affordable mortgage with outstanding customer service during the entire process.
Same-Day Pre-Approvals Refinance Options Credit Assistance Mortgage Brokerage Variety of Home Loan Programs. With all of our home loan programs at St. Cloud Mortgage, Inc."
Granite City Mortgage has been in Business since April of 1996 serving the local Saint Cloud area and surrounding communities. Granite City Mortgage of St. Cloud offers a variety of mortgage programs, including:* Conventional loans* Government loans* No up-front fees* Zero down programs* Refinancing* Home equity loans* Debt consolidation.
At Keystone Home Finance, LLC OUR TEAM'S MISSION IS TO PROVIDE YOU WITH THE HIGHEST QUALITY FINANCING OPTIONS THROUGHOUT THE LOCAL AREA. WE HAVE OVER 15 YEARS OF EXPERIENCE, AND WE'LL HELP YOU GO FROM APPLICATION TO THE CLOSING TABLE! SERVING THE ENTIRE STATE OF MINNESOTA. Audrey Heinen-Nierenhausen and her team have over 17 years of experience
At One Mortgage LLC, our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Since 1904 we have seen the Great Depression, the Great Recssion and two world wars. We have had 19 different presidents, including 11 republicans and 8 democrats and added 5 states to the union. We've moved from silver certificates to Federal Reserve Notes and done away with the gold standard.
