USDA Vs. FHA Pro and Con comparison in Duluth, St. Louis County, MN
In 2026, the loan cap for USDA in Duluth, within St. Louis county, MN, is $336,500. Conversely, for an FHA loan on a single-family home, the limit is $472,030.
Try using the Lendersa® USDA loan calculator to juxtapose today's top USDA and FHA rates. Additionally, it can assist you in understanding the income, credit, reserve requirements, and necessary documents for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA side-by-side, aiding you in selecting the best program for your unique financial needs in .
Loan limits and down payment necessities in Duluth, within St. Louis County, MN, for 2026
Type of Loan
Cap on Loan
Required Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Duluth, MN
At Lendersa®, our mission is to quickly facilitate the acquisition of the most suitable USDA or FHA loan with minimal fuss. Choose one of three beginning options that find matching lenders and USDA loan offerings for you.
A USDA home loan is backed by the government's Department of Agriculture—known as a USDA rural development loan or USDA mortgage—and is exclusive to rural areas. This differs significantly from FHA loans, which necessitate a minimum 3.5% down payment, as the USDA loan requires none.
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On June 1, 1905, a group of West Texas ranchers joined forces to open Crockett County’s first bank in Ozona, Texas. Local citizens of Ozona – used to entrusting their funds to the town mercantile’s safe–lined up to make deposits at the new banking institution. Descendants of those founders are still direct employees of the bank
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