USDA Vs. FHA Pro and Con comparison in Monticello, Wright County, MN
In 2026, within Monticello, located in Wright county, MN, the USDA loan limit is $358,800. Meanwhile, the FHA loan cap for a single-family home stands at $515,200.
Utilize the Lendersa® USDA loan calculator to compare today's most favorable USDA and FHA rates while identifying the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which program in best fits your financial needs.
2026 Loan Limits and Down Payment Details in Monticello, County of Wright, MN
Loan Type
Loan Limit
Down Payment
USDA
$358,800
0%
FHA
$515,200
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Monticello, MN
The aim of Lendersa® is to quickly and easily connect you with the best USDA or FHA loans available. Choose one of three starting points to efficiently match lenders and USDA loan programs.
A USDA home loan is typically a mortgage backed by the government via the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. These loans are available only in rural neighborhoods. Unlike FHA loans demanding at least a 3.5% down payment, USDA loans require no down payment whatsoever.
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