As of 2026, the USDA loan cap in Cold-Spring, located in Stearns county, MN, is set at $285,000. Meanwhile, for a single-family home, the FHA limit is $356,362.
Leverage the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates. Determine the required income, credit score, reserves, and documentation for qualification. Our advanced mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA programs, helping you choose the ideal option for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
At Lendersa®, our aim is to quickly secure the best USDA or FHA loan for you without any hassle. Select from three different starting points to find matching lenders and USDA loan programs.
A USDA home loan, which the Department of Agriculture guarantees, also goes by USDA rural development loan or USDA mortgage, and is offered only in rural areas. In comparison to FHA loans that require 3.5% as a down payment minimum, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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