In the year 2026, the USDA loan limit for Alexandria, situated in the county of Douglas in MN, is $336,500. By contrast, the FHA limit for a single-family residence is $472,030.
To accurately compare today's most favorable USDA versus FHA rates, employ the Lendersa® USDA loan calculator. This tool also assists you in determining the necessary income, credit score, reserves, and documentation requirements for eligibility. Our comprehensive mortgage calculator provides a detailed comparison of USDA, FHA, Conforming, and VA options side-by-side, empowering you to make a well-informed decision on the program best suited for your financial circumstances in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to swiftly and effortlessly secure you the best USDA or FHA loan available. Begin by choosing one of three starting points, each designed to connect you with matching lenders and USDA loan programs.
The USDA home loan is secured by the United States Department of Agriculture and is also referred to as the USDA rural development loan or simply a USDA mortgage, accessible exclusively within rural communities. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all, making it an advantageous choice for eligible applicants.
The USDA loan is designed specifically to support the integration and development of individuals and families in designated rural and suburban areas who may otherwise face financial hurdles accessing housing loans. This program is vital for fostering community growth, as it helps ensure that rural areas receive an opportunity for development and residents can achieve homeownership without the initial financial barrier of a down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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