In 2026, the USDA loan limit for Cottage-Grove, within the county of Washington, MN, is set at $0. In contrast, the FHA loan limit for a single-family home stands at $402,500.
Utilize the Lendersa® USDA loan calculator to evaluate and compare the best current rates for USDA versus FHA loans, determining the income, credit, reserves, and documentation required to qualify. Our sophisticated mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA programs, helping you select the most suitable option for your financial circumstances in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $402,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to connect you with the most favorable USDA or FHA loan options quickly and effortlessly. Choosing one of three pathways will help you find matching lenders and suitable USDA loan packages.
A USDA home loan is a government-backed mortgage guaranteed by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage. These loans are exclusively available in rural areas. Unlike FHA loans, which necessitate at least a 3.5% down payment, USDA mortgages require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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