FHA VS Conventional loan in St.-Charles, Winona County, Minnesota

For 2025, the Conventional loan limit in St.-Charles, situated within Winona County, MN, is $647,200. Meanwhile, the FHA limit for a single-family home is $420,680.

Make use of the Lendersa® Conventional loan calculator to compare today's prime rates across Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserves, and documentation for qualification. Our advanced mortgage calculator allows you to view Conforming Conventional, USDA, FHA, and VA loans side by side, helping you select the most suitable program for your financial needs in MN.

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Loan Limits and Downpayment Requirements in St.-Charles, Winona County, MN for 2025

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

This table's comparison applies to these zip codes: 55972

Discover Conventional and FHA Loan Options in St.-Charles, MN

The aim of Lendersa® is to ensure you attain the best Conventional, USDA, or FHA loan quickly and without hassle. Select one of three starting options that lead you to matched lenders and loan programs.

Lendersa USDA loan request and matching results


  • Pacific Shores Financial
  • 20902 Brookhurst Street Street, Suite 209, Huntington Beach, CA, 92646
  • Pacific Shores Financial Home Loans is an independent and part of American Capital Corporation, our larger parent company headquartered in El Segundo, California. We are a direct lender which gives us the ability to underwrite, approve and fund our own loans with our in house bank ACBN.
  • Sahakian Arvin
  • 9114 Adams Avenue, Suite 570, Huntington Beach, CA, 92646
  • Sahakian Arvin is mission to make your mortgage process stress-free and transparent so you can buy your new home or refinance quickly with confidence. and also My goal is to help you truly understand everything about your mortgage before you commit to it. When you’re armed with the knowledge, you can make the right decisions every time
  • Seacliff Mortgage
  • 9042 Garfield Avenue, Suite 207, Huntington Beach, CA, 92646
  • SeaCliff Mortgage, we have access to hundreds of banks to be competitive and match up the right loan for each borrower. And not all banks are the same. Some will do what others won’t. This is the beauty of working with a knowledgeable broker and options that not every bank has to meet your needs.Our goal is your satisfaction.
  • Pacific City Financial
  • 9042 Garfield Avenue, Suite 307, Huntington Beach, CA, 92646
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, and mortgages. Michael Robbins, our founder, has 29 years experience in the financial and mortgage lending industry. As a licensed broker and mortgage lending professional
  • Military Home Spot Lending
  • 3280 Main St, Suite 7C, San Diego, CA, 92113
  • Military Home Spot Lending sets itself apart from other lenders by following the VA guidelines exactly as they are written. We have no credit score requirement and no Debt-to-Income (DTI) limit. VA guidelines exactly as they are written. We have no credit score. MortgageOne dba Military Home Spot Lending
  • Lendingbee, Inc
  • 4605 Lankershim Blvd, Suite 419, North Hollywood, CA, 91602
  • Lending Bee, Inc. offers hard money loans on single-family residences, multi-family residences, commercial, industrial, and special purpose properties. We can do major rehab hard money loans, fix n’ flip loans, and ground up construction loans as well. We finance acquisition, development, refinance and Cash Out transactions.
  • LBC Mortgage
  • 4605 Lankershim Blvd, Suite 421, North Hollywood, CA, 91602
  • LBC Mortgage Solutions began as a small company back in 2008, focusing on residential mortgages, hard money lending, purchase money loans and FHA Financing for California residents.As time went by, we managed to establish a reputation of trustworthy provider of comprehensive real estate services.
  • Mortgage and Realty Professionals: Home Loans & Mortgage Refinance
  • 4024 Ibis Street, Suite B, San Diego, CA, 92103
  • Chris joined Mortgage and Realty Professionals in 2016 after graduating from the University of San Diego with a Bachelor of Business Administration – BBA, Finance, where he has since distinguished himself as the go to loan specialist amongst friends, family, agents, and past clients.
  • Mission Home Mortgage
  • 3033 5th Avenue, Suite 420, San Diego, CA, 92103
  • We have assembled an experienced and talented team, which quite frankly, gives us an almost unfair advantage over other mortgage companies. Our team continually works to stay fresh in the industry--investing the necessary time to break down each minute step of the mortgage financing process, attending educational events and seminars,
  • Weldon Financial Inc
  • 2665 5th Avenue, Suite 608, San Diego, CA, 92103
  • Weldon Financial is a private real estate lending company that has been filling the needs of borrowers for whom conventional financing is inappropriate or undesired since 1997. Our experience, coupled with a strong, knowledgeable investor core gives us the ability to act quickly and decisively for the benefit of both lenders and borrowers.
  • eMortgageGuys
  • 1419 University Ave, Suite C, San Diego, CA, 92103
  • eMortgageGuys we refuse to follow this “unwritten rule” that clients must jump through hoops to get their dream home or save on their mortgage. Instead, we roll up our sleeves, sit down at the table with each of their clients, and together, shoulder to shoulder, design the most effective solution to suit your unique financial situation.