In the year 2026, the USDA loan limit in Ham-Lake, located in Anoka, MN, is set at $0. Meanwhile, for a single-family home, the FHA limit is $402,500.
Use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, assessing the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator provides a side-by-side look at USDA, FHA, Conforming, and VA loan options, helping you determine which program suits your unique financial situation best in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $402,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is dedicated to helping you obtain the finest USDA or FHA loan quickly and easily. Begin with one of three pathways connecting you with matching lenders and loan programs.
The USDA home loan is supported by the U.S. Department of Agriculture and is often referred to as a USDA rural development loan, or simply USDA mortgage. It is exclusively accessible to those looking to live in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans demand no down payment whatsoever, offering a significant benefit for eligible applicants.
Enter your location to find out if it qualifies for USDA rural housing loan?
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