USDA and FHA Pro and Con in Sauk-Rapids, Benton County, MN
In 2026, the USDA loan limit for Sauk-Rapids in Benton, MN, is set at $285,000. The FHA limit for a single-family home is $356,362.
Make use of the Lendersa® USDA loan calculator to contrast current USDA and FHA rates, assessing the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA programs side by side, assisting in choosing the best program for your financial situation in .
Loan Limits and Down Payment Requirements for 2026 in Sauk-Rapids, County of Benton, MN
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Programs in Sauk-Rapids, MN
Lendersa®'s aim is to swiftly provide the optimal USDA or FHA loan without hassle. Choose from one of three starting points that connect you with suitable lenders and USDA loan programs.
The USDA home loan, which is backed by the Department of Agriculture and also known as a USDA rural development loan, is available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment, offering a notable advantage for qualifying buyers.
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