For 2026, the maximum loan limit for Conventional loans in St.-James, located in Watonwan county, MN, is set at $647,200. In contrast, the FHA limit for a single-family home is $420,680.
Leverage the Lendersa® Conventional loan calculator to evaluate and contrast today's top rates among Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side-by-side, aiding you in deciding which program in MN aligns best with your financial situation.
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| Loan Type | Loan Cap | Downpayment |
| Conventional Conforming | $647,200 | 3% |
| USDA | $285,000 | 0% |
| FHA | $420,680 | 3.5% |
This comparison table applies to the zip codes: 56081
Lendersa® is committed to helping you find the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose one of three starting points to find matching lenders and loan programs.
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