USDA Vs. FHA Pro and Con comparison in International-Falls, Koochiching County, MN

In 2025, in International-Falls, Koochiching, MN, the USDA loan limit is $285,000, while the FHA limit is $356,362 for a single-family home.

Use the Lendersa® USDA loan calculator to compare the most favorable USDA and FHA rates today and find out the income, credit reserves, and documents you need to qualify. Our advanced mortgage calculator provides comparisons of USDA, FHA, Conforming, and VA options to help you decide the best program in Alabama for your situation.

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2025 Loan Limits and Downpayment Requirements in International-Falls, Koochiching, MN

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in International-Falls, MN

Lendersa® strives to help you quickly secure the best USDA or FHA loan without hassle. Choose one of three starting points leading to matched lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Explaining USDA Loans in MN

The USDA home loan, guaranteed by the government through the Department of Agriculture, known as the USDA rural development loan, is available only in rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Bay Credit Union
  • 601 N Highway 231, Panama City, FL, 32405
  • Bay Credit Union was established in August of 1952 as International Paper Employees Federal Credit Union. In 1976 the name was changed to Bay County Industrial Credit Union to more adequately reflect the expanded membership. Again in 1987 the name was changed to Bay Credit Union when our field of membership was opened to virtually.
  • First National Bank Northwest Florida
  • 101 East 23rd Street, Panama City, FL, 32405
  • First National Bank Northwest Florida is the oldest local community bank in the area. The goal of the bank has always been to provide the best possible customer service. The same banking services as a regional bank but with a local family “feel.” Come be a part of our banking family.
  • Panhandle Credit Union
  • 2718 Martin Luther King Jr, Blvd Panama City, FL, 32405
  • Panhandle Educators FCU is a leading Florida Credit Union with an A+ rating by DepositAccounts.com, a subsidiary of LendingTree, and has a 5 Star rating by Bauer Financial. We offer a range of financial solutions including Personal Accounts, Business Accounts, Mortgages, Auto Loans, Personal Loans, and more
  • Oasis Mortgage
  • 3707 W. 23rd Street Suite A., Panama City, FL, 32405
  • Oasis Mortgage, where we specialize in residential mortgages. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants who will be assisting you every step of the way. At Oasis Mortgage, we are able to provide our clients with extremely competitive pricing.
  • Adam Gilbert - Seattle Mortgage Brokers
  • 258 S 171st St, Burien, WA, 98148
  • Seattle Mortgage Brokers. We are here to serve you by guiding you through your new home purchase or refinancing, answering your questions, and assisting you in a friendly, courteous manner as you navigate through the mortgage loan process in Washington State. You can find out more about us by filling out an application for a new mortgage.
  • Puget Sound Refinery Federal Credit Union
  • 12275 Bartholomew Road, Anacortes, WA, 98221
  • On January 26, 1954, we received our charter as North Montana Texaco Employees Federal Credit Union. In 1958 our name was changed to Puget Sound Texaco Federal Credit Union. In June of 1988, Seattle Texaco Credit Union merged with our credit union. When Texaco merged with Equilon, the new credit union name became E. E. Federal Credit Union.
  • Megamerica Mortgage
  • 19210 Huebner Rd, Suite 205, San Antonio, TX, 78258
  • Megamerica Mortgage is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Texas. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt,
  • Statewide Mortgage and Lending
  • 2710 Treble Creek, Suite 100, San Antonio, TX, 78258
  • Statewide Mortgage and Lending is a locally owned and operated mortgage brokering company based in San Antonio, TX. We have been serving your community with exceptional loan services for more than 20 years. Our professionals will always perform in-house processing to provide you with timely and efficient loan services.
  • Premier Lending Group Inc
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  • We are a family owned business that opened in 1998. We have dedicated ourselves to providing the most comprehensive residential and commercial real estate, and business financing products available anywhere, to providing the most experienced and knowledgeable professionals dedicated to delivering extraordinary service to our clients
  • First Commercial Bank, National Association
  • 1336 E. Court St, Seguin, TX, 78155
  • First Commercial Bank, N.A. was founded in 1983 in a small portable building at 1336 East Court Street in Seguin. Then, in March of 1984, construction was completed on the permanent facility that is still the headquarters of First Commercial Bank today. At First Commercial Bank we believe in taking an active role in the community.