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?



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