USDA Vs. FHA your options comparison in Rice-Lake, St. Louis County, MN
In 2026, the USDA loan limit for Rice-Lake, in the county of St. Louis, MN, is set at $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can view the USDA, FHA, Conforming, and VA loan options side by side, helping you decide the best program for your financial situation in .
Loan Limits and Downpayment Requirements for 2026 in Rice-Lake, within St. Louis, MN
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Options in Rice-Lake, MN
The aim of Lendersa® is to quickly secure the best USDA or FHA loans effortlessly. Choose one of three starting points that result in matching lenders and USDA loan programs.
USDA home loans are guaranteed by the Department of Agriculture, also known as USDA rural development loans or USDA mortgages, and are available exclusively in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require no down payment.
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