As of 2026, the USDA loan limit for Hugo, in Washington county, MN, stands at $0. In contrast, the FHA limit for a single-family home is $515,200.
The Lendersa® USDA loan calculator is an excellent tool for comparing today's USDA versus FHA top rates, helping you determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding in the selection of the most appropriate program for your specific financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $515,200 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to securing the best possible USDA or FHA loan for you quickly and without hassle. Start by selecting one of three pathways to connect with matching lenders and USDA loan programs.
The USDA home loan is a government-backed mortgage supported by the Department of Agriculture, known also as the USDA rural development loan. It's exclusively available for rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans need no down payment, making them especially advantageous for eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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