USDA Vs. FHA your options comparison in Farmington, Dakota County, MN
In 2026, the USDA loan limit in Farmington, in the county of Dakota, MN, is $358,800. Conversely, the limit for an FHA loan on a single-family home is $515,200.
Use the Lendersa® USDA loan calculator to compare today’s top USDA versus FHA rates, understanding the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to evaluate USDA, FHA, Conforming, and VA loans side by side, helping you determine which program in is optimal for your financial circumstances.
2026 Loan Limits and Down Payment Requirements in Farmington, County of Dakota, MN
Loan Type
Loan Limit
Down Payment
USDA
$358,800
0%
FHA
$515,200
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Farmington, MN
The goal of Lendersa® is to secure the best USDA or FHA loan quickly and without complication. Start by choosing one of three pathways to connect with matching lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage through the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans need no down payment.
One Custom House St, Suite 4, Providence, RI, 02903
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1172 Beacon Street, Suite 103, Newton Highlands, MA, 02461
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