USDA Loan Vs. FHA loan pro & con Breckenridge, Wilkin County, MN

In 2025, the USDA loan limit for Breckenridge, within Wilkin, MN, is set at $336,500. For a single-family home, the FHA limit is $472,030.

Leverage the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, and determine the necessary income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to help decide which program in suits your financial scenario best.

USDA and FHA Loan Options in Breckenridge, MN

The goal of Lendersa® is to quickly secure the best USDA or FHA loan without hassle. Select one of three options that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in MN

A USDA home loan is guaranteed by the Department of Agriculture and is also known as a USDA rural development loan or USDA mortgage. It is specifically available in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans do not require any down payment.

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(866) 375-6267 Lender's profile and map Reviews PhysicianLoans 2325 Bryden Rd, Bexley, OH, 43209 PhysicianLoans was founded in 1993. We offer a unique product The Doctor Loan, available only to medical doctors, dentists and veterinarians. Although we are a “brick & mortar” company based in Columbus, Ohio, PhysicianLoans is licensed in 18 states. As such, each of our Loan Officers holds all the appropriate licenses to conduct business.
(270) 242-2111 Lender's profile and map Reviews Bank of Clarkson 101 E. Main Street, Clarkson, KY, 42726 Bank of Clarkson is proud to be a locally-owned hometown bank. We are dedicated to not only meeting but exceeding your customer service expectations of quality customer service. This bank and every director, officer and employee is a part of this community. We live, shop and belong to the same organizations as you.
(580) 927-2311 Lender's profile and map Reviews Shamrock Bank, National Association 101 N Main St, Coalgate, OK, 74538 Shamrock Bank is a full service, employee-owned, community bank serving Oklahoma & north Texas communities. Our mission is to create an outstanding banking experience for our communities by nurturing an effective employee ownership culture. Visit www.shamrockbank.com for our hours and addresses to our 8 current locations in Coalgate, Dura
(580) 456-7708 Lender's profile and map Reviews Oklahoma Heritage Bank 515 S. Hickory, Roff, OK, 74865 Forty years ago, a small group of local businessmen in Pontotoc County established the First American Bank of Roff in order to meet the personal banking and business-banking needs of the citizens in Roff and surrounding areas. The mission of the bank, then and now, has been to serve its customers with personalized banking service.
(800) 749-4583 Lender's profile and map Reviews FSNB, National Association PO Box 33009, Fort Sill, OK, 73503 FSNB offers conventional, fixed rate mortgage loans with low closing costs. Since 1946, we have been helping homebuyers nationwide, helping them finance what is probably the largest investment of their lives. We retain the servicing on 100% of the loans we make, which means we don't sell your loan to other companies
(216) 270-5530 Lender's profile and map Reviews Veritas Financial Group LLC 1060 Ledge Road, Medina, OH, 44256 Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(330) 419-8243 Lender's profile and map Reviews COMMONWEALTH DIVERSIFIED LENDING 5000 Gateway Drive, Medina, OH, 44256 Our business specializes in making every client feel like family. For my clients with every challenge that may be put in front of me, it is just an obstacle to get over, so that my clients will meet there goals, whether it is buying a home, financial freedom, real estate investing, or buying a business.
(330) 410-3770 Lender's profile and map Reviews Consolidated Funding Corp 2425 Medina Road, Medina, OH, 44256 CHM Lending is a local mortgage broker founded in 1992 and located in Medina, Ohio. Our company offers a full range of mortgage loan products including Conventional, FHA, VA, USDA, Construction, and Renovation loans. Our team has a combined over 45 years of experience in the mortgage industry.
(800) 413-5857 Lender's profile and map Reviews Crossroads Home Loans 2530 Medina Road, Suite 100, Medina, OH, 44256 "At Crossroads Home Loans. We are a web based Mortgage Firm. We know that each customer has specific needs, so we strive to meet those needs with a wide array of products and services. Buyers, Sellers or Refinancing. We pride ourselves on our consistent referral base from Past Clients Real Estate Agents, Broker Firms, Attorneys"
(740) 397-1136 Lender's profile and map Reviews CES Credit Union, Inc 1215 Yauger Road, Mount Vernon, OH, 43050 CES Credit Union is a not-for-profit, full-service financial cooperative owned by its members. Originally established in 1952 to serve the employees of Cooper Bessemer, CESCU is now open to everyone who lives, works, worships or attends school in Knox, Licking, Delaware, Richland and Ashland County.
(800) 368-8930 Lender's profile and map Reviews Westfield Bank, FSB 2 Park Circle, Westfield Center, OH, 44251 Established in 2001 and headquartered in Westfield Center, Ohio, Westfield Bank currently serves customers in Cuyahoga, Richland, Medina, Stark, Summit, and Wayne counties as well as insurance agencies across the country. We deliver financial roadmaps and solutions so families, businesses, and insurance agencies can thrive.
(440) 946-1980 Lender's profile and map Reviews Acme Federal Credit Union 34799 Curtis Boulevard, Suite B, Eastlake, OH, 44095 ACME FCU has been providing financial services to its members since 1939. We are dedicated in meeting our member’s financial needs through cost efficient services, quality personal assistance and competitive savings and loan rates. We are a member-owned financial cooperative dedicated to members’ evolving needs.