FHA VS Conventional loan in Fergus-Falls, Otter Tail County, Minnesota

In the year 2026, the Conventional loan cap in Fergus-Falls, within Otter Tail county of MN, is set at $647,200, and for single-family residences, the FHA threshold is $420,680.

Utilize Lendersa®'s calculator to compare top rates between Conventional, FHA, and USDA loans as of today. Determine the required income, credit score, reserves, and necessary documents to qualify. This advanced mortgage calculator compares Conforming Conventional loans, USDA, FHA, and VA options, side by side, enabling you to choose the most suitable program tailored to your financial needs in MN.

Analyze loan offers from an extensive selection of 100 lenders

2026 Loan Limits and Down Payment Requirements in Fergus-Falls, County of Otter Tail, MN

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

This table is pertinent to the following zip codes: 56537

Exploring Conventional and FHA Loan Options in Fergus-Falls, MN

Lendersa® focuses on facilitating a swift and seamless experience in securing the best available Conventional, USDA, or FHA loan for you. Choose from three initial options, each leading you to matched lenders and tailored loan programs.

Lendersa detailed USDA loan request and matching results


  • American Freedom Funding
  • 22632 Golden Springs Dr, Suite 180, Diamond Bar, CA, 91765
  • We are home loan experts dedicated to making sure your home purchase or refinance experience is easy, honest, and quick. We’re a direct mortgage lender. That means that you will work directly with the person who lends you the money to buy your dream home (or condo!) No ridiculous bank “loan profiles.” Just common sense and fair play.

  • NuBridge Commercial Lender
  • 21680 Gateway Center Drive, Suite 230, Diamond Bar, CA, 91765
  • NuBridge Commercial Lending is a nationwide direct lender focused on making first-lien, short-term bridge loans to owners of small-balance commercial properties in 48 states and the DC. We can help you fund loans for multifamily, mixed-use, office, retail, light industrial, mobile home parks, self-storage, warehouse, and retail properties.

  • Investment & Financial
  • 556 N. Grand Blvd, Diamond Bar, CA, 91765
  • GRAND INVESTMENT&FINANCIAL was founded with the intent to provide a loan for every borrower and every home. With a wide choice of loan products, you'll find a loan program that suits your financial goals, and our skilled loan specialists can walk you through the steps to funding your dreams. With unparalleled customer service

  • NetCORE Realty & Lending
  • 21671 Gateway Center Drive, Suite 207, Diamond Bar, CA, 91765
  • Our mission is to ensure that your real estate dreams are fulfilled in a way that is seamless, efficient, and in your best interest. Serving the entire State of California with a focus on Southern California, our team has over a decade of experience helping both buyers and sellers navigate the complexities involved in exploring real estate.

  • American Empire Lending
  • 20955 Pathfinder Rd, Suite 100, Diamond Bar, CA, 91765
  • American Empire Lending helping customers afford the home of their dreams for many years and we love what we do.All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown our indicative of market conditions and individual qualifications.

  • Resban
  • 22632 Golden Springs Dr, Suite 200, Diamond Bar, CA, 91765
  • Founded in 1989, Residential Bancorp is committed to making the home-buying experience simple and enjoyable for customers from start to finish. Our mission is to become the first choice and a household name throughout the United States for home loans. With a vibrant, team-oriented corporate culture and a proven track record of success,

  • Exceed Lending
  • 21660 Copley Dr. #175, Diamond Bar, CA, 91765
  • We at Exceed Lending understand that your real estate is an important investment, and it is our mission to help you achieve your dreams. Our goal at Exceed Lending is to provide access to loan programs that best fit your needs, while providing exceptional customer service, to achieve a rewarding loan experience.

  • Maximum Mortgage & Real Estate Inc.
  • 18301 Collier Avenue, Suite B, Lake Elsinore, CA, 92530
  • Maximum Mortgage & Real Estate Inc Full Service Real Estate, Mortgage and Property Management firm. We truly enjoy what we do and constantly look for ways to become better. We take pride in serving the community we live in and love the rich history and culture that North San Diego offers.

  • Impulse Capital Partners, LLC
  • 41877 Enterprise Cir suite 200, Temecula, CA, 92590
  • Impulse Capital Partners was founded with a singular mission: to empower real estate investors with the financial tools and expertise needed to realize their investment potential. With years of experience in the private lending space, we specialize in providing customized financing solutions for non-owner occupied properties, including fix and flip

  • Paradyme Funding, Inc
  • 43620 Ridge Park Drive, Suite 200, Temecula, CA, 92590
  • At Paradyme Funding we offer a wide variety of lending needs to fit any client's needs. We partner with banks across the nation to ensure that we have a loan for every scenario. In addition to traditional lending we offer our clients bank statement, asset, DSCR, Jumbo, portfolio, and even Hard Money options.

  • Eagle Platinum Mortgage
  • 27450 Ynez Road, Suite 306, Temecula, CA, 92590
  • Eagle Platinum Mortgage to help you find the loan program that's best for you. Our team of professionals is eager to help you with this big financial decision. We will treat you right and give you the personal service you deserve. We know you're making a commitment in buying a house, Refinancing a mortgage

  • Complete Real Estate
  • 28636 Old Town Front Street, Suite 202, Temecula, CA, 92590
  • Complete Real Estate lenders offer some of the best interest rates and the lowest fees on the market. We will shop your loan with multiple lenders to make sure you are getting the best terms, and we will take the time to explain the process and procedures so that you are comfortable with loan product you select.