In 2026, the USDA loan limit in Melrose, located in the county of Stearns, MN, is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, determining the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you pick the best program for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Melrose, Stearns, MN
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Melrose, MN
Lendersa® aims to swiftly connect you with the best USDA or FHA loan options without hassle. Select one of three starting strategies that result in matching lenders and USDA loan programs suitable for your needs.
The USDA home loan is backed by the Department of Agriculture and is also referred to as a USDA rural development loan or USDA mortgage. These loans are available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans have no down payment requirement, making them particularly accessible for eligible borrowers.
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500 N. Franklin Turnpike, Suite 303A, Ramsey, NJ, 07446
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207 Shelton Beach Rd, Suite F, Saraland, AL, 36571
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