For 2026, the USDA loan cap in Moorhead, located in the county of Clay, MN, stands at $336,500. Meanwhile, the FHA limit for a single-family residence is $472,030.
Leverage the Lendersa® USDA loan calculator to evaluate today's premier USDA and FHA rates, helping you assess the income, credit, reserves, and documentation needed for qualification. Through our comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs conjointly to ascertain which option in
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| Loan Type | Maximum Loan | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is dedicated to efficiently connect you with the most suitable USDA or FHA loan options without complications. Choose from three starting points to identify compatible lenders and USDA loan options available.
A USDA home loan is a federal government-backed mortgage facilitated by the Department of Agriculture, also recognized as a USDA rural development loan or USDA mortgage, available solely in rural regions. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage necessitates no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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