FHA VS Conventional loan in Otsego, Wright County, Minnesota

In the year 2025, the conventional loan limit in Otsego, within Wright county, MN, is $726,200, whereas the FHA limit for single-family homes is $515,200.

Utilize the Lendersa® Conventional loan calculator to explore and compare the best current rates for Conventional, FHA, and USDA loans. It provides insight into the income, credit, reserves, and documentation necessary. Our advanced mortgage tool allows you to compare Conforming Conventional loans alongside USDA, FHA, and VA options, providing a clear view in MN to choose the most suitable program for your financial needs.

Evaluate loan offers from a selection of 100 lenders

2025 Loan Limits and Down Payment Requirements in Otsego, Wright County, MN

Loan Type Loan Limit Down Payment
Conforming Conventional $726,200 3%
USDA $358,800 0%
FHA $515,200 3.5%

This comparison is applicable to the following zip codes: 55301, 55330, 55362

Exploring Conventional and FHA Loan Options in Otsego, MN

Our mission at Lendersa® is to facilitate the process of finding the perfect Conventional, USDA, or FHA loan efficiently and without complications. You can begin with one of three pathways that align you with suitable lenders and loan programs.

Outcomes from Lendersa's USDA loan request matching


  • Integrity 1st Financial, LLC.
  • 2950 S Jamaica Ct, Suite 302, Denver, CO, 80014
  • We are one of the most resourceful and dedicated team of commercial real estate mortgage professionals in the industry. We are a client-driven commercial real estate finance firm serving borrowers of real estate capital. We offer all types of debt and equity financing for income producing properties.
  • CAA Financial LLC
  • 3033 South Parker Road, Suite 750, Aurora, CO, 80014
  • We specialize in helping hardworking people purchase or refinance their own home. It’s just one of the reasons why you should check your rates and weigh your options with us. and We’re committed to helping your small business find success with a unique combination of services and business expertise.
  • AMAC Mortgage Company
  • 2500 Victor Street, Unit B, Aurora, CO, 80014
  • At AMAC Mortgage Company. We are a full service mortgage company based in Aurora, CO. We specialize in JUMBO, FHA/VA, ALL HOME LOANS in AURORA, DENVER METRO, BOULDER, FT COLLINS and COLORADO SPRINGS area. We also serve the surrounding cities in Arapahoe County, Adams County, Boulder County,
  • Consumer Mortgage Services Inc
  • 3033 South Parker Road, Suite 202, Aurora, CO, 80014
  • At Consumer Mortgage Services, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We are approved with several lenders who offer all the agency backed loans such as VA, FHA, USDA
  • Aurora Financial, LLC
  • 2851 S Parker Rd, Suite 1260, Aurora, CO, 80014
  • Buying a home and obtaining a home mortgage is more than getting the best low mortgage rate. We're committed to making your mortgage financing process as easy and affordable as possible. We are based in Vienna, Virginia and specialize in home, construction, and commercial mortgage loans.
  • F&M Bank TN
  • 50 Franklin Street, Clarksville, TN, 37040
  • F&M Bank is a dynamic regional bank located in middle Tennessee ... and is one of the top independent banks in the state! F&M Bank operates full-service banking offices in Clarksville, Springfield, Greenbrier, Dover, Bumpus Mills, Lebanon, Mt. Juliet, White House, Murfreesboro, Hendersonville and Cookeville.
  • Legends Bank
  • 310 N. First St, Clarksville, TN, 37040
  • Legends Bank was founded in 1998 in Clarksville, Tennessee. Today, our footprint has grown, allowing us to serve two of the five largest cities in the state and four Tennessee counties; Montgomery County, Williamson County and Davidson County. Legends is a community bank that’s bolstered by an extraordinary team made up of experienced lenders
  • Cumberland Bank and Trust
  • 502 Madison Street, Clarksville, TN, 37040
  • At Cumberland Bank & Trust, we realize that our customers are the reason we are here to serve our community. Like our President & CEO, Ron Sleigh says, “Cumberland Bank & Trust is a true ‘community bank.’ All five of our offices are located in Clarksville and Montgomery County. We pride ourselves on personalized customer relationships,