FHA VS Conventional loan in Winona, Winona County, Minnesota

As of 2026, the Conventional loan limit for a single-family home in Winona, Winona county in MN is $726,200, while the FHA cap is $472,030.

Utilize the Lendersa® Conventional loan calculator for comparing today's Conventional, FHA, and USDA best rates. Assess the requirements regarding income, credit scores, reserves, and necessary documents to qualify. View Conforming Conventional loans alongside USDA, FHA, and VA options in our state-of-the-art mortgage calculator to find the best fit for your financial needs in MN.

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2026 loan limits and down payment requirements for Winona, Winona county, MN

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison applies to zip codes: 55987

Exploring Conventional and FHA loan options in Winona, MN

Our mission at Lendersa® is to secure the best Conventional, USDA, or FHA loans swiftly and with minimal hassle. Choose one of three paths to connect with matching lenders and loan programs.

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Winona Lenders

  • Merchants Bank
  • 102 East Third Street, Winona, MN, 55987
  • Lends in Minnesota
  • We're ready to be your trusted advisor, your partner, and join you every step of the way as we work toward your financial goals, hopes and dreams together. We understand that when our community succeeds, we all do. Part of that comes from being employee-owned. For nearly 150 years we’ve been committed to serving our partners and the communities.