FHA VS Conventional loan programs in 2026 for La-Crescent, Houston County, Minnesota

As of 2026, the county of Houston in La-Crescent, MN has a Conventional loan cap set at $647,200. In contrast, the FHA limit for a single-family residence is $420,680.

The Lendersa® Conventional loan calculator enables comparison of current rates between Conventional, FHA and USDA loans. Use it to analyze requirements like income, credit, reserves, and documents needed. With our advanced tools, easily compare side-by-side Conventional, USDA, FHA, and VA loans to select the most suitable option in MN for your financial scenario.

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2026 mortgage limits and down payment requirements in La-Crescent, Houston county, MN

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

This comparison table is relevant for zip codes: 55947

Mortgage options in La-Crescent, MN: Conventional and FHA

At Lendersa®, we aim to swiftly secure the best Conventional, USDA or FHA loans with minimal complications. Choose one starting point to effectively match loans and lenders.

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La-Crescent Lenders

  • Merchants Bank
  • 102 East Third Street, Winona, MN, 55987
  • Lends in Minnesota
  • We're ready to be your trusted advisor, your partner, and join you every step of the way as we work toward your financial goals, hopes and dreams together. We understand that when our community succeeds, we all do. Part of that comes from being employee-owned. For nearly 150 years we’ve been committed to serving our partners and the communities.