In 2026, the USDA loan limit for a single-family home in Detroit-Lakes, located in Becker county, MN, is $285,000, while the FHA limit is $356,362.
Utilize Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, and determine the income, credit, reserves, and documents required for qualification. With our sophisticated mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side to help you pick the best program for your financial situation in .
Loan Limits and Down Payment Requirements for 2026 in Detroit-Lakes, Becker, MN
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Detroit-Lakes, MN
At Lendersa®, our goal is to efficiently secure the best USDA or FHA loan for you with ease. Choose one of three approaches to be matched with lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, is known as a USDA rural development loan and is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment, offering significant benefits.
Midwest Minnesota Community Development Corporation
119 Graystone Plaza, Suite 100, Detroit Lakes, MN, 56501
Lends in Minnesota
MMCDC is a leading private nonprofit company providing commercial and home mortgage lending, as well as housing, business and community development services throughout Minnesota and the Midwest. We are also the parent company of a reservation-based bank and a reservation-focused community development company.
1135 Washington Ave, Suite 100, Detroit Lakes, MN, 56501
Lends in Minnesota
Principle Mortgage Group, Inc. is a wholesale Mortgage Broker committed to providing our clients with great customer service combined with great rates. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced mortgage professionals
At Dawson Home Mortgage we strive to give our customers competitive rates and offer a broad range of products giving you the top notch service you deserve.As a customer you will be treated as an individual and not just another number. We will walk you through every step of the way making sure your loan is processed on time.
Community Development Bank was founded in 1906 and purchased by three non-profit Community Development Corporations in 2001. A for-profit financial institution owned by non-profit Community Development Corporations is very unique and brings significant economic development resources to the communities we serve
Farmers & Merchants State Bank of New York Mills, Incorporated
11 Walker Avenue North Otter Tail, New York Mills, MN, 56567
Lends in Minnesota
Farmers & Merchants State Bank is a local bank serving our community’s financial needs with quality products and services. We are committed to exceeding our customers’ expectations with our friendly and professional staff. As a local, independent bank, we do not offer risky products and we pride ourselves on knowing our customers
Valley Premier Bank continues to be locally owned and operated by the same people in the same locations. Both offices offer traditional bank products, which include commercial, real estate and consumer loans, checking and savings accounts, certificates of deposit, safe deposit boxes
Northwoods Bank of Minnesota has an interesting history. Chartered over a century ago in the small town of Dorset MN, the bank successfully navigated through the depths of the depression, the expansion years of the 1980’s and 1990’s, a charter re-location and name change, and most recently, the “great recession”.
On January 1, 1933, a group of dedicated community leaders began providing full service banking to the Park Rapids area when the doors were opened at the Citizens National Bank of Park Rapids. One of those involved in that achievement was Harold Bishop of Bishop's Department Store.
