Explore the differences! FHA VS Conventional loan programs in St.-Paul, Ramsey County, Minnesota
In 2026, the conventional loan limit in St.-Paul located in the county of Ramsey, MN, is $647,200. The FHA limit for a single-family home, however, is set at $448,500.
Use Lendersa®'s Conventional loan calculator to compare today's premier rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side-by-side to help you select the best program for your specific financial needs in MN.
2026 Loan Limits and Downpayment Requirements in St.-Paul, Ramsey, MN
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$0
0%
FHA
$448,500
3.5%
This table is applicable to the following zip codes: 55114
Explore Conventional and FHA Loan Options in St.-Paul, MN
The objective of Lendersa® is to provide you with the most suitable Conventional, USDA, or FHA loan swiftly and with ease. Choose one of the three starting options to get matched with relevant lenders and loan programs.
601 Main Street Southeast, Suite 234, Minneapolis, MN, 55414
Lends in Minnesota
Access Home Loans is a Elite Minneapolis mortgage company Brian Kearney, company's founder and only originator, is an 18 year mortgage industry expert. Simple, smooth process and quick close is the goal for every transaction. LOCAL company, not out-of-state lender. Word-of-mouth and referrals from past clients are primary drivers of my business.
200 University Avenue West, Suite 100, Saint Paul, MN, 55103
Lends in Minnesota
At Sunrise Banks, our success relies on the success of the communities we serve. We offer financially inclusive products that aim to better the lives of our clients in the Twin Cities Metro and beyond. We don’t see ourselves as bankers – we see ourselves as a social engine for good. The Sunrise family has been serving the urban core of Minneapolis
77 Broadway Street Northeast, Minneapolis, MN, 55413
Lends in Minnesota
Northeast Bank is a locally-owned community bank with offices in Northeast Minneapolis, New Brighton and Coon Rapids, MN focused on serving small to medium businesses. At Northeast Bank, we partner to meet community needs. Local businesses are important to us and our community – that is why we go to great lengths to help them grow.
We offer a better banking experience. We're not your average bank. We like problem solving. We like making things happen. And, we like having a little fun while we're at it. Founded on July 21, 1998, North American Banking Company has been committed to providing personal service to its community.
North Star Bank is an independent, locally owned bank with a proud tradition of sound management and integrity. Established in 1947, we have been continuously committed to providing quality, customized banking service for personal and commercial financial needs. When you bank with us, your money is reinvested into the community in which you live
2277 West Highway 36, Suite 304, Roseville, MN, 55113
Lends in Minnesota
Progressive Lending Solutions we have access to practically EVERY loan program and underwriting option that is available in the marketplace. We have all of the programs anyone else would have, but also many that traditional banks do not.As a Consultant, in a sense I can do the shopping for you, identifying what the best underwriting.
1935 County Road B2 West, Suite 265, Roseville, MN, 55113
Lends in Minnesota
First Equity Mortgage, our goal is to find you the best loan with the most competitive rate and terms, so you can move in sooner with less effort. Let us help you navigate the unpredictable housing market, and provide you with the safety, security and peace of mind that comes with closing your loan quickly
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in their area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
2277 West Highway 36, Suite 304, Roseville, MN, 55113
Lends in Minnesota
Progressive Lending Solutions, Inc., and their entire support staff offers over 100 years of experience in the mortgage industry. We are committed to providing our clients with continuous feedback and communication, fast approvals and excellent customer satisfaction. Progressive Lending Solutions prides itself on incorporating unparalleled
