USDA VS FHA in Breckenridge, Wilkin County, MN

In 2026, 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.

Review loan offers from 100 different lenders

2026 Loan Limits and Downpayment Requirements in Breckenridge, Wilkin County, MN

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

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.

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



  • Pacific Mortgage Corp.
  • 24445 Hawthorne Blvd, Suite 201, Torrance, CA, 90505
  • Pacific Mortgage Co has been founded with the purpose of providing home owners and real estate investors the best possible mortgage loan solutions. We represent dozens of banks and mortgage lenders, allowing us to offer our client hundreds of loan programs and customized solutions to each mortgage loan request.

  • Midgate Mortgage
  • 24051 Neece Avenue, Suite B, Torrance, CA, 90505
  • Midgate Mortgage offers a wide range of mortgage options to meet your financial needs and circumstances. Whether you’re a first-time property buyer or interested in refinancing your mortgage, we're here to guide you through the process. Contact us today for a special offer and learn what we can do for you

  • Pacific Funding Solutions
  • 22939 Hawthorne Blvd, Suite 300, Torrance, CA, 90505
  • PACIFIC FUNDING SOLUTIONS IS COMMITTED TO HELPING YOU FIND THE RIGHT MORTGAGE PRODUCT FOR YOUR NEEDS. WE UNDERSTAND THAT EVERY BORROWER IS DIFFERENT, AND WE OFFER A VARIETY OF PRODUCTS TO MEET YOUR INDIVIDUAL REQUIREMENTS. WE MAKE THE PROCESS OF SECURING A MORTGAGE SIMPLE AND STRAIGHTFORWARD BY OFFERING YOU.

  • Pacific Mortgage Real Estate and Financing Company
  • 25500 Hawthorne Boulevard, Suite 2230, Torrance, CA, 90505
  • Specializing in residential purchase and refinance loans in Southern CA, we work with over 20 lenders to find the best loan programs for our clients who have specific financial needs and goals, whether they have multiple properties or are just starting out as first time home buyers.

  • Custom Financial Services Inc.
  • 22527 Crenshaw Blvd. #201, Torrance, CA, 90505
  • We do loan and real estate. all kinds of loans. Residential, Commercial, Private Money Loans. We started in 1964 as an Auto Finance Company. In 1972 when Banking Regulations changed, we entered the market of Private Party real estate loans. We have evolved with the marketplace. Mr. Levy has been involved in this business since 1991.

  • HBS Finance
  • 3812 Sepulveda Blvd UNIT 310, Torrance, CA, 90505
  • HBS Finance provides nationwide real estate commercial mortgages and corporate banking financial solutions. We have experience dealing with a wide variety of apartment building loans, commercial mortgage loans and business real estate loans. We act as your professional mortgage loan advisor to help find the optimal financing solutions for you by of

  • HBS Funding
  • 3812 Sepulveda Blvd Suite 310, TORRANCE, CA, 90505
  • HBS Finance provides nationwide real estate mortgages and corporate banking financial solutions. We utilize conventional financing sources; commercial banks, industrial finance companies, SBA and private investors to serve the financial needs of our clients. Because HBS Finance understands mortgage banking and commercial lending.

  • Private Lending Company Inc.
  • 22527 Crenshaw Blvd, Suite 201, Torrance, CA, 90505
  • loans making loans loans loans making loans loans loans making loans loans loans making loans loans loans making loans loans loans making loans loans loans making loans loans loans making loans loans loans making loans loans loans making loans loans loans making loans loans loans making loans loans loans making loans loans loans making loans loans

  • Riviera Mortgage Group
  • 1845 S. Elena Avenue, Redondo Beach, CA, 90277
  • Susan Jensen Martz, owner of Riviera Mortgage Group, has been in real estate financing for 25 years. Her knowledge and expertise in packaging a loan and finding the best mortgage option for her client has been her top priority throughout her career. Whether it’s a simple refinance or a multi faceted deal, she has the avenues to get a loan funded.

  • South Bay Credit Union
  • 312 N Pacific Coast Hwy, Redondo Beach, CA, 90277
  • For the long version we have to go back to 1953, the year we first opened our doors. It was a year that started with Harry Truman in the Oval Office and Joseph Stalin ruling the USSR in Moscow. If you’re like some of our youngest members (Jessie, age 8, whose mom recently opened a savings account for her) that might as well be “ancient times.

  • PacificOne
  • 250 N Harbor Drive, Suite 315, Redondo Beach, CA, 90277
  • PacificOne offers a variety of loan programs to meet your needs. Whether you are looking for the security of a long term fixed rate or the flexibility of an adjustable rate, PacificOne has the loan for you. Family owned and operated since 2001. At any point, feel free to e-mail or call us regarding any questions you may have.

  • King Harbor Wealth Management
  • 1801 South Catalina Avenue, Suite 305, Redondo Beach, CA, 90277
  • "King Harbor is a boutique wealth management business. We are a South Bay based financial advisor with wealth management offices in Redondo Beach and Palos Verdes. Our principal has over 20 years of institutional investment experience.
    We cater to those seeking a long-term relationship and who value expertise with a disciplined,"