USDA Vs. FHA your options comparison in Otsego, Wright County, MN

In 2025, USDA loan limit in Otsego, county of Wright, MN is $358,800 while FHA limit is $515,200 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Otsego, county of Wright, MN

Loan Type Loan Limit Down payment
USDA $358,800 0%
FHA $515,200 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Otsego, MN

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Minnesota?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • ArcStone Financial, Inc.
  • 1917 Hillhurst Ave, Suite 203, Los Angeles, CA, 90027
  • ArcStone Financial is a local direct lender with over 20 years experience servicing Southern California. As a direct lender, ArcStone Financial offers a wider variety of loan products to fit the needs of all types of borrows. With on-site processing, underwriting, funding and docs, we are better positioned to identify
  • California Hard Money Lenders
  • 1917 Hillhurst Ave, Los Angeles, CA, 90027
  • "Direct California private hard money loans lenders for residential, commercial real estate loans. In Los Angeles Arcstone Financial offers Southern California real estate investors flexible options for bad credit Commercial, construction, rehabilitation refinance loan specialists. 0ver 20 years in California real estate"
  • Hillhurst Mortgage
  • 1662 Hillhurst Avenue, Suite A, Los Angeles, CA, 90027
  • At Hillhurst Mortgage, our focus is about educating and helping our clients feel comfortable with the entire home financing process. Each member of our team is hand-picked for not only their expertise and professionalism, but the care they exhibit to others. As a boutique agency Hillhurst Mortgage caters to the home loan needs throughout Los Angele
  • Arcstone Financial
  • 1917 Hillhurst Ave, Suite 205, Los Angeles, CA, 90027
  • ArcStone Financial is a local direct lender with over 20 years experience servicing Southern California. As a direct lender, ArcStone Financial offers a wider variety of loan products to fit the needs of all types of borrows. With on-site processing, underwriting, funding and docs
  • American100
  • 2 Dahoon Ave, Pompano Beach, FL, 33063
  • Full service real estate brokerage proudly serving South Florida since 1981. Ravi Malhotra believe in treating my customers the way I would like my family to be treated. Ravi will work hard to get you the best deal possible, He ill deal honestly and fairly at all times. Ravi will communicate regularly and keep you posted on all activities.
  • Groves Capital INC
  • 4025 Stonebridge Lane Rancho, Rancho Santa Fe, CA, 92091
  • Groves Capital, Inc., is a hybrid mortgage broker and banker based out of San Diego, California, founded in 2016 by Christoffer & Aleyna Groves. Aleyna, having well over a decade of experience in the mortgage business, formed Groves Capital with her husband Christoffer, a successful Realtor with experience dating back to the early 2000s.
  • Bausley Home Loans & Realty
  • 13119 Daventry Street, Pacoima, CA, 91331
  • Bausley Home Loans & Realty , our mission is simple. During the mortgage application process, we're your advocate. Whatever financing goals you have, it's our job to fulfill them. This means getting the money you need. There are a variety of different loan types available on the market today, as well as many different lenders.
  • WPCCU
  • 1053 Sunset Blvd, Los Angeles, CA, 90012
  • Water and Power Community Credit Union (WPCCU) was founded in 1936 to serve the financial needs of employees of the Los Angeles Department of Water and Power. As Los Angeles grew, so did WPCCU. Today, nearly seven decades after opening with just two desks and a typewriter, WPCCU is a full service community-based financial institution
  • Employees Choice Federal Credit Union
  • 266 S Magnolia Ave, El Cajon, CA, 92020
  • On February 11, 1960, eight City of El Cajon employees signed the Organization Certificate to form El Cajon Municipal Employees Federal Credit Union. They felt strongly that the employees of the City needed to be protected financially during the rapidly changing setting of the 1960's.