FHA VS Conventional loan programs in 2026 for West-St.-Paul, Dakota County, Minnesota

In 2026, the conventional loan limit in West-St.-Paul, within the county of Dakota, MN, is set at $647,200. Meanwhile, the FHA limit for a single-family home is $448,500.

Utilize the Lendersa® Conventional loan calculator to scrutinize the best rates available today for Conventional, FHA, and USDA loans. With our sophisticated mortgage tool, you can determine the necessary income, credit score, reserves, and documentation to qualify for these loans. It allows you to view Conforming Conventional loans alongside USDA, FHA, and VA options, assisting you in deciding which program available in MN best fits your financial needs.

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2026 Loan Limits and Down Payment Requirements in West-St.-Paul, Dakota, MN

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $322,000 0%
FHA $448,500 3.5%

This comparison table applies to the following zip codes: 55118

Explore Conventional and FHA Loan Opportunities in West-St.-Paul, MN

The aim of Lendersa® is to secure you the most favorable Conventional, USDA, or FHA loans promptly and without inconvenience. Select any of the three outlined starting points, each guiding you to the best-matching lenders and loan programs suited to your circumstances.

Lendersa USDA loan request and comparison results


  • Trailhead Credit Union
  • 221 NW Second Avenue, Suite 100, Portland, OR, 97209
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  • Plum Tree Mortgage Inc D|B|A Portland Mortgage
  • 1126 Northwest Marshall Street, Portland, OR, 97209
  • Plum Tree Mortgage Inc help customers select mortgage products. We manage the process for individuals, institutions, trusts, partnerships and other clients in the purchase, refinance and equity-access of real estate. Because Plum Tree is involved in the mortgage transaction from the beginning.

  • Riverview Community Bank
  • 900 Washington St, Vancouver, WA, 98660
  • Riverview Bancorp, Inc. is the holding company of Riverview Community Bank, a progressive community-oriented financial institution that emphasizes local, personal service throughout Southwest Washington and the Portland metropolitan area. The Company provides personal and commercial financial solutions through its network of 17 branches.

  • Wealthbridge Mortgage
  • 500 West Eighth Street, Suite 45, Vancouver, WA, 98660
  • With over three decades in the mortgage industry and thousands of funded loans, we are experts in innovative mortgage financing. Today, challenging mortgage applications often get turned down for being “outside of the box”, but not at Wealthbridge. We want to help build your future, not make it harder.

  • DC Lending LLC
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  • Davis Financial, LLC
  • 310 West 11th Street, Vancouver, WA, 98660
  • Davis Financial, LLC founer of Howie Davis 16 years of experience as a loan originator, and with degrees in finance and accounting, my background enables me to provide excellent service and sound advice to my clients. Customer service is the cornerstone of my business. I truly enjoy helping and educating clients about the loan process.

  • Unitus Community Credit Union
  • 1300 SW 6th Ave, Portland, OR, 97201
  • We help to make our members stronger financially by providing financial education, exceptional products & services, and personal service.We serve 100,000 members in the Pacific Northwest and employ more than 250 individuals who share our passion for serving the community.Unitus is a not-for-profit financial cooperative with branches in OR and WA

  • Peninsula Mortgage Inc.
  • 224 W. Washington St, Suite 103, Sequim, WA, 98382
  • Peninsula Mortgage is the longest running independent Mortgage Lender on the Peninsula and is known for expertise, great loan prices and personal service and As an independent Mortgage Lender I am able to fit the best home loan available to my client's needs. A "single source" Lender can only offer the loans they happen to have in house.

  • Sean Clift Mortgage
  • 803 Carlsborg Rd, Sequim, WA, 98382
  • Clift Mortgage has been walking first time home buyers and veteran investors through the murky waters of residential lending for nearly 20 years, and with over 100 years combined experience, we know the pitfalls to avoid, and have the answers you need! residential lending for nearly 20 years

  • PDX Home Loan
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  • Finding and financing your home is a huge investment in time and money. Your home equity should enhance your financial future. Not be a burden. Unfortunately, most home owners miss out on wealth-building opportunities ​because the industry just isn’t set up to help them make smart borrowing decisions.

  • Schmidt Home Loans
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  • Kevin Schmidt has been in the mortgage business since 1993. A native Oregonian, Kevin grew up in Southern Oregon and graduated from the University of Oregon where he received his Bachelor’s Degree in Finance and Marketing. Kevin prides himself on providing the expertise needed in today’s environment, excellent service,

  • Summit Mortgage Corporation
  • 4700 S Macadam Avenue, Portland, OR, 97239
  • Summit Mortgage Corporation has been embedded in the Pacific Northwest since 1997. We like to consider ourselves locals and pride ourselves on that fact. We’re locally owned and operated, so we understand what matters to people who live here. We’re also connected to mortgage banking resources nationwide.