USDA Vs. FHA your options comparison in Roseau, Roseau County, MN
As of 2026, the USDA loan limit in Roseau, located in Roseau, MN, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Utilize Lendersa®'s USDA loan calculator to compare today's leading USDA versus FHA rates, and determine the necessary income, credit, reserves, and documents you need to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Roseau, Roseau County, MN
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Opportunities in Roseau, MN
The mission of Lendersa® is to quickly secure the best USDA or FHA loan possible, free of hassle. Start with one of three pathways to connect with suitable lenders and USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans that have a minimum 3.5% down payment requirement, USDA loans require no down payment.
Citizens State Bank of Roseau has been your friendly hometown bank since 1905. Citizens State Bank of Roseau operates as a bank. The Bank offers personal and commercial checking, savings, and loans, as well as online, mobile, and text banking services. Citizens State Bank of Roseau serves customers in the United States.
Border Bank has proudly served residents and businesses providing friendly, personalized service that is focused on its customers. The bank has ten locations across Minnesota and North Dakota to serve its customers Badger, Baudette, Clearbrook, Coon Rapids, Fargo, Greenbush, International Falls, Middle River, Roseau, and Thief River Falls.
Marshall County State Bank is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public. Serving the heart of Marshall County. We are here to serve you! Offering personal banking needs, loan services and insurance. Marshall County State Bank is your trusted local partner for all types of mortgage loans.
Prime Security Bank has provided its customers with high quality service since 1925. Since our inception, business and personal customers have appreciated the differences we offer that are not commonly available from the large banks. We know our customers as friends and neighbors. We work for you and make decisions at a local level.
Red Lake Co Op Federal Credit Union has been open since 1949. The credit union has assets totaling $8.4 Million and provides banking services to more than 1, 000 members. The credit union is religious, or fraternal, or low-income associational credit union. Membership is also open to immediate family of current members.
Ultima Bank Minnesota originated as Farmers State Bank of Winger and was founded in 1904 in Winger, Minnesota, a small farming community in the northwest corner of the state. As typical of such communities, Winger's population peaked in the 1940's and then began to drop from about 400 to a little over 200 people today.
