USDA Vs. FHA your options comparison in Lake-Elmo, Washington County, MN

In 2025, the USDA loan limit for a single-family home in Lake-Elmo, located within Washington county, MN, is $0, while the FHA limit is set at $402,500.

Employ the Lendersa® USDA loan calculator to compare today's prime USDA and FHA rates. Determine the requisite income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, helping you decide which program is best suited for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Lake-Elmo, Washington, MN

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $402,500 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Lake-Elmo, MN

Lendersa® is committed to securing for you the best USDA or FHA loan quickly and without hassle. Begin by selecting one of the three paths that connect you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MN

A USDA home loan, commonly called a USDA rural development loan, is backed by the Department of Agriculture and is only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans necessitate no down payment, offering substantial accessibility advantages.

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



  • Oak Capital Mortgage LLC
  • 307 West Tremont Avenue, Suite 200, Charlotte, NC, 28203
  • Oak Capital Mortgage is focused on providing our clients with exactly the right mortgage for their needs. We are able to achieve that for our clients because we are an independent mortgage company that works with multiple lenders. We are able to shop around for you and find the best priced options available.
  • Bridgewater Capital Inc
  • 2108 South Boulevard, Suite 209, Charlotte, NC, 28203
  • Bridgewater Capital we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you and We make sure our clients get the best support from our staff walk you through the whole mortgage process
  • DHL Mortgage
  • 529 W Summit Ave, Suite 2A, Charlotte, NC, 28203
  • At DHL Mortgage, formerly known as Direct Home Loans, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Blevins Home Mortgage
  • 2114 Swartz Rd, Darlington, MD, 21034
  • Blevins Home Mortgage. We are a full service mortgage company based in Darlington, Maryland. We service all of Maryland and specialize in FHA Loans, VA Loans, USDA Loans, Conventional Loans and Renovations Loans. Whether you are buying a home or refinancing, Blevins Home Mortgage has got you covered.
  • Bank of Richmondville
  • 857 East Main Street, Richmondville, NY, 12149
  • The Bank of Richmondville was established in 1881 by the honorable Judge John Westover and James Foster as a privately owned bank. The bank's initial facility was located at Main and Summit Streets in Richmondville, New York. In the fall of 1893, through the efforts of William Lewis and A.D. Frasier, the Bank of Richmondville was organized
  • APCI Federal Credit Union
  • 6126 Hamilton Boulevard, Suite 102, Allentown, PA, 18106
  • APCI Federal Credit Union (APCI FCU) is a non-profit financial cooperative that has serviced our members since 1954. We have a staff of 50+, with over 500 years of combined credit union experience. As banks implement new fees or raise existing account charges, APCI FCU's value proposition continues to grow stronger
  • First Commonwealth Federal Credit Union
  • 6126 Hamilton Blvd, Suite 100, Allentown, PA, 18106
  • First Commonwealth is a consumer-friendly alternative to banking. We offer all the services you're accustomed to, but at better rates and lower fees. That's because we're structured differently than banks. Banks are in business to earn profits for their stockholder investors. Our credit union exists to improve your financial well being.
  • Traditional Mortgage LLC
  • 682 N. Brookside Road, Suite 101, Allentown, PA, 18106
  • Traditional Mortgage, LLC is a state licensed mortgage lending entity that originates mortgage loans directly to the consumer. Our mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • U. S. Postal Service Federal Credit Union
  • 7905 Malcolm Road, Suite 311, Clinton, MD, 20735
  • U. S. Postal Service Federal Credit Union is a member-owned and operated not-for-profit financial cooperative chartered in 1934 under federal law. USPS FCU provides sound financial support for Postal Workers, Postal Retirees, and Postal Family Members. We encourage our members to make wise financial choices for the well-being of themselves.