USDA and FHA Pro and Con in North-Mankato, Nicollet County, MN

In 2025, the USDA loan cap for North-Mankato in Nicollet, MN, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.

Utilize Lendersa®'s USDA loan calculator to effectively compare today's top USDA versus FHA rates and assess the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in North-Mankato, County of Nicollet, 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 North-Mankato, MN

Lendersa® strives to provide the best USDA or FHA loan easily and without delay. Pick one of three initial steps that link you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MN

The USDA home loan, also known as the USDA rural development loan or mortgage, is guaranteed by the government Department of Agriculture and available solely in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgages require no down payment, presenting a substantial advantage to eligible buyers.

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



  • BRIDGEWAY MORTGAGE
  • 52 Maple Avenue, Morristown, NJ, 07960
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  • Sweetwater Capital
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  • Sweetwater Capital’s core focus is to achieve lifelong relationships by delivering the finest brokerage experience. Established in 2007, Sweetwater Capital began as a boutique commercial mortgage brokerage firm, specializing in permanent debt solutions. In 2019, we expanded our services to include our investment sales platform.
  • AAFMAA Mortgage Services LLC
  • 639 Executive Place, Suite 203, Fayetteville, NC, 28305
  • AAFMAA (American Armed Forces Mutual Aid Association) is a not-for-profit, member-owned financial services association that provides life insurance, military benefits counseling, Survivor Assistance Services, residential mortgages, financial planning, investment management and trust services to the American Armed Forces Community.
  • BETTERWAY MORTGAGE CO
  • 333 Route 46 W, Suite 201, Mountain Lakes, NJ, 7046
  • At BetterWay Mortgage Company, 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. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism,
  • Ozona National Bank
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  • On June 1, 1905, a group of West Texas ranchers joined forces to open Crockett County’s first bank in Ozona, Texas. Local citizens of Ozona – used to entrusting their funds to the town mercantile’s safe–lined up to make deposits at the new banking institution. Descendants of those founders are still direct employees of the bank
  • Pursuit
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  • Our mission is to provide businesses with affordable small business loans and resources so that they can reach higher, transform and grow. Our mission guides our lending. When you work with us, you’ll have access to a community-focused small business lender that is 100% invested in providing the best possible loan for you now, and in the future.
  • SEFCU
  • 575 Broadway, Albany, NY, 12207
  • As a SEFCU shareholder, you will enjoy benefits not found in other financial relationships. Benefits that keep growing with each passing year to help you achieve your purpose.SEFCU is among the 50 largest credit unions in the U.S. with more than $3.5 billion in assets, 330, 000 members, and 50 branches in the Capital Region.
  • Prime Commercial Lending
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  • Financial Freedom Mortgage, LLC
  • 112 West Park Drive, Suite 300, Mount Laurel, NJ, 08054
  • Financial Freedom Mortgage, LLC. was established with the mission of creating extraordinary mortgage solutions for the citizens of New Jersey, Maryland, Delaware and Florida. That mission continues to be a driving force through today. Financial Freedom Mortgage has always sought out the nation's most creative and responsible lenders.
  • Union Plus Mortgage Company
  • 305 Fellowship Road, Suite 230, Mount Laurel, NJ, 08054
  • Union Plus Mortgage Company was founded by the AFL-CIO to provide current and retired union members and their families mortgages through a union-controlled company. Union Plus Mortgage Company is owned by the AFL-CIO, Union Privilege, and a group of unions and Our mission then and now is simple to provide you with the best available mortgages.
  • LofiDirect
  • 700 East Gate Drive, Suite 400, Mount Laurel, NJ, 08054
  • Lofi Direct, a d/b/a of American Neighborhood Mortgage Acceptance Company, LLC, is a nationwide mortgage loan provider dedicated to the principle of providing MORE products, services support and value to clients, partners and the community. Headquartered in Mount Laurel, N.J with branches throughout the United States
  • HighPoint Mortgage Inc
  • 211 Hartford Road, Mt. Laurel, NJ, 8054
  • HighPoint Mortgage Inc. has over 20 years of experience specializing in all facets of residential mortgage lending. His extensive knowledge in Conventional, FHA, VA and USDA guidelines enables him to evaluate each client’s specific needs and goals to provide appropriate financing. Matt recognizes the importance of integrity, devotion,