USDA VS FHA in Bemidji, Beltrami County, MN

In 2026, the USDA loan limit in Bemidji, located in Beltrami, MN, is $336,500, and the FHA limit is $472,030 for a single-family home.

Leverage the Lendersa® USDA loan calculator to contrast today's optimal USDA and FHA rates. Evaluate the necessary income, credit score, reserves, and documentation needed to qualify. By using our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, aiding in choosing the most suitable program for your financial scenario in .

Explore loan options from 100 different lenders

2026 Loan Limits and Down Payment Requirements in Bemidji, County of Beltrami, MN

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

Options for USDA and FHA Loans in Bemidji, MN

The aim of Lendersa® is to efficiently provide the most favorable USDA or FHA loan options quickly and without hassle. Choose from three starting points to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MN

The USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan, is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment, offering a significant benefit for qualified borrowers.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • The Pennsville National Bank
  • 170 South Broadway, Pennsville, NJ, 08070
  • We grew from a trailer in 1969 to five offices today. We are a community bank based in Salem County, NJ. We have five office locations serving Pennsville, Elmer, Woodstown, Carneys Point, and Pedricktown. We strive to offer products and services to small businesses, families, and individuals.

  • University of Pennsylvania Students Federal Credit Union
  • 3401 Walnut Street, Suite 431A, Philadelphia, PA, 19104
  • The Student Federal Credit Union (SFCU) is the first and only Credit Union in the Ivy League and exclusively serves the University of Pennsylvania community. Founded in 1987 by three Wharton MBA students, the SFCU has been providing Penn students with secure, efficient, and convenient financial services for almost 25 years.

  • Penn Federal Credit Union
  • 3131 Walnut Street, Philadelphia, PA, 19104
  • Penn Federal Credit Union is a non-profit organization. In other words, every member equally owns the credit union. Any money made above the cost of operations is returned to the members in the form of better rates on deposits, better loan rates and lower fees. The credit union is governed by a Board of Directors, and all credit union accounts.

  • Spring EQ LLC
  • 2929 Arch Street, Suite 500, Philadelphia, PA, 19104
  • Spring EQ LLC unlocks the goals of homeowners by providing visibility and access to their home's equity. Unlike banks and other lenders, Spring EQ LLC’s platform simplifies access to the value of their home, and when the need arises, dramatically reduce the time and cost to tap into that value.

  • Heritage Mortgage Banking Corp
  • 25 Lindsley Drive, Suite 209, Morristown, NJ, 07960
  • Our mortgage representatives specialize in providing home loans to first time home buyers and FHA purchases in Morris County as well the greater New Jersey and New York state area. We deliver an unparalleled level of service and the lowest possible loan rate in the business. Upon this – we have built our reputation, for over a decade

  • BRIDGEWAY MORTGAGE
  • 52 Maple Avenue, Morristown, NJ, 07960
  • "We are a full service mortgage broker in Morristown, New Jersey with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance to reverse mortgages.
    We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates"

  • Colonial 1st Mortgage INC
  • 11551 Nuckols Road, Suite G, Glen Allen, VA, 23059
  • Colonial 1st Mortgage We are a broker, which gives us the ability to shop multiple banks to find the right loan for you. We process your loan in house so that you are talking directly with us from beginning to end We offer an online application process or if you prefer to apply in person we are right here in Richmond.

  • TrustMor Mortgage Co., LLC
  • 5300 Hickory Park Drive, Glen Allen, VA, 23059
  • TrustMor, we straightforwardly tell you all you need to know, when you need to know it. We do what we say when we say we’ll do it. We’re there for you when you need help, answers and advice. You can trust us to always make your interests our first priority, and to make the complex mortgage lending process as simple.