In 2026, for a single-family home in South-St.-Paul, located in the county of Dakota, MN, the USDA loan limit is set at $322,000. On the other hand, the FHA loan limit is $402,500.
To effectively compare the best USDA and FHA rates available today, the Lendersa® USDA loan calculator is a useful tool. It helps in identifying what income, credit score, reserves, and documentation are necessary to qualify. Our enhanced mortgage calculator also provides side-by-side comparisons of USDA, FHA, Conforming, and VA programs, assisting you in finding the most appropriate option for your financial situation in
Explore different loan offerings from 100 various lenders
| Loan Type | Loan Limit | Down payment |
| USDA | $322,000 | 0% |
| FHA | $402,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
At Lendersa®, we are committed to helping you secure the best USDA or FHA loan swiftly and effortlessly. Begin by choosing from three starting points that lead to matching lenders and explore USDA loan programs.
The USDA home loan is guaranteed by the U.S. Department of Agriculture, commonly known as a USDA rural development loan or simply a USDA mortgage. These loans are exclusively available for rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgage loans require no down payment, making them advantageous for eligible buyers.
This program is crafted to facilitate homeownership in rural regions by eliminating upfront financial barriers. By doing so, it supports the development and residence sustainability in these rural areas, ensuring communities thrive and residents gain access to quality housing solutions without facing conventional financial hurdles.
Enter your location to find out if it qualifies for USDA rural housing loan?
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