USDA VS FHA in St.-Charles, Winona County, MN

In 2025, the USDA loan limit for St.-Charles, in Winona county, 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, determining the necessary income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, identifying the best program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in St.-Charles, Winona, MN

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in St.-Charles, MN

Lendersa®'s aim is to quickly secure for you the best possible USDA or FHA loans without hassle. Choose one of three paths to connect with matching lenders and USDA programs tailored to your needs.

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Understanding USDA Loans in MN

A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment.

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



  • Wayne County Federal Credit Union
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  • Richmond City Employees Federal Credit Union
  • 50 North 5th Street, Richmond, IN, 47374
  • Richmond City Employees Federal Credit Union has been open for over 50 years. Membership is open to the City Employees, employees of Morrisson-Reeves Library and Frontier/Verizon employees, and RP&L employees. Membership is also available to immediate family members of an existing member.
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  • Natco Credit Union is a member-owned financial institution. Natco operates as a not-for-profit organization, with the interests of our members in mind. That makes us significantly different from banks, which are driven to operate at a profit to their stakeholders. We were established in 1944 and have provided a variety of accounts.
  • Health Care Professionals Federal Credit Union
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  • HCPFCU is NCUA Insured and an Equal Housing Lender. Our credit union opened its doors in 1975, specifically to serve Reid Health Employees. Since then, we have expanded to offer our services to any health care employee in the community, as well as their entire family! We do business in accordance with the Fair Housing Opportunity Act.
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  • Nickel Steel Federal Credit Union
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