FHA VS Conventional loan programs in 2026 for 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, 55117, 55116, 55119, 55130, 55101, 55155, 55102, 55103, 55106, 55107, 55104, 55105, 55108, 55131, 55133, 55144, 55145, 55146, 55164, 55165, 55170, 55175
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.
Raritan Bay Federal Credit Union is a non-profit, community chartered financial institution that serves everyone who lives, works, worships, or attends school in Middlesex County. Raritan Bay Federal Credit Union was chartered in 1941, and is owned and operated by its members. We are dedicated to serve the financial needs of our members.
The purpose of the Heritage Family Credit Union is to provide friendly, personable, high quality services for the entire family. The Credit Union will strive to offer convenient, cost effective services while maintaining financial stability. Heritage Family Credit Union’s vision is families prospering through cooperation.
201 West Passaic Street, Floor 3, Suite 304, Rochelle Park, NJ, 07662
H&E Telephone Federal Credit Union is a federally insured financial cooperative serving employee groups since 1967. It was originally formed for employees and family members of New Jersey Bell and AT&T. Now, H&E also serves HPAE at Englewood Hospital and several other member groups.
151 West Passaic Street, 2nd Floor, Rochelle Park, NJ, 07662
The Affinity Realty Capital, LLC team is committed to providing all clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing
336 W Passaic St, Suite 310, Rochelle Park, NJ, 07662
Centra Capital Investments is a commercial real estate investment company offering hard money when traditional banks do not. We provide construction loans for both ground up new construction and renovation projects. Will consider both residential and commercial properties with a loan up to 100%
At Alpine Mortgage, we specialize in providing the most competitive rates and closing costs on a Connecticut, Florida, New York, New Jersey and Pennsylvania mortgage. Our goal is to make your home loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service and appreciate the opportunity to
AryMing Asset Funding, LLC (AAH) is a boutique, private real estate lending sponsorship firm founded in 2010. We purchase, finance, sell, and assign mortgages & notes. We cater to accredited, high net worth individuals who appreciate transparency and personalized service in the distress asset sector of real estate.
The White River Credit Union is a full service, member-owned, not-for-profit financial institution. Our members comprise a radius around the Bethel, Randolph, & Rochester area. The White River Credit Union was formed in 1947 when five citizens in Rochester, Vermont wanted to create a small, friendly lending co-op to service the valley community.
