As of 2026, in the county of St. Louis, within Ely, MN, the USDA loan ceiling is set at $336,500, whereas for a single-family dwelling, the FHA cap is $472,030.
Utilize the Lendersa® USDA loan calculator to contrast today’s USDA and FHA top rates, evaluating the necessary income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator compares USDA, FHA, Conforming, and VA options side by side, aiding your decision on the most suitable program in
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| Loan Type | Loan Limit | Down payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to secure you the ideal USDA or FHA loan swiftly and without complication. Choose from three pathways that link you to lenders and USDA loan schemes.
A USDA home loan is backed by the U.S. Department of Agriculture, often referred to as a USDA rural development or mortgage loan, designated for rural locales. Unlike FHA loans demanding a 3.5% minimum down payment, USDA mortgage loans require no money down. They are designed to aid in home ownership without the need for an upfront downpayment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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