USDA Loan Vs. FHA loan pro & con St.-Cloud, Stearns County, MN

In 2025, the maximum USDA loan in St.-Cloud, within Stearns, MN, is set at $285,000, while for a single-family home, the FHA loan limit is $356,362. These figures are critical for understanding your financing options in this area.

Utilize the Lendersa® USDA loan calculator to compare the best current rates for USDA versus FHA loans. This tool helps you learn about the income, credit, reserves, and documentation needed for qualification. The advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the most suitable program for your financial status in .

Choosing USDA and FHA Loan Options in St.-Cloud, MN

Lendersa® aims to help you quickly obtain the best suited USDA or FHA loan without hassle. Choose from three starting points to connect with matching lenders and USDA loan programs effectively.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in MN

The USDA home loan is a government-backed loan through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, only available in rural communities. In contrast to FHA loans that necessitate a minimum 3.5% down payment, the USDA mortgage requires no down payment, making it an attractive option for eligible applicants.

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(641) 484-2980 Lender's profile and map Reviews The State Bank of Toledo 100 East High, Toledo, IA, 52342 We want to show you just how pleasant your banking experience can be when you make State Bank of Toledo your financial services choice. Our HOMETOWN focus ensures our customers always come first. We have the largest deposit market share in Tama County, Iowa, making us the largest and most successful bank in our trade area.
(712) 669-3322 Lender's profile and map Reviews Templeton Savings Bank 103 S Main St, Templeton, IA, 51463 Templeton Savings Bank is a family owned community bank that was established in 1923. As we approach 100 years in business, we look forward to continuing to provide banking products and services. Templeton Savings Bank has had a long tradition of helping customers reach their financial goals.
(608) 356-7703 Lender's profile and map Reviews The Baraboo National Bank 101 Third Avenue, Baraboo, WI, 53913 Baraboo State Bank has served the people of Baraboo and its surrounding communities since 1857. The bank is locally owned and operated. We are a member of The Baraboo Bancorporation, Inc. holding company. We take pride in providing our customers with excellent customer service, a wide variety of accounts, and competitive loan rates.
(715) 258-1400 Lender's profile and map Reviews The Farmers State Bank of Waupaca 112 West Fulton Street, Waupaca, WI, 54981 The Farmers State Bank of Waupaca was founded in 1911 by a board of directors and is one of the oldest financial institutions in the Waupaca. Its purpose is to give our customers the most modern banking services, in an environment of friendliness and fairness. To maximize our return to shareholders, while making sound decisions today
(701) 288-3491 Lender's profile and map Reviews McIntosh County Bank 204 West Main Street, Ashley, ND, 58413 McIntosh County Bank of Ashley, North Dakota was organized September 15, 1911 as the Farmers State Bank of Danzig, North Dakota. By 1913, controlling stock was acquired by J.H. Wishek and Peter Billigmeier. At that time, Danzig was a thriving community with two grocery stores, meat market, lumber yard, hardware store.
(605) 589-3313 Lender's profile and map Reviews Security State Bank PO Box 9, Tyndall, SD, 57066 Security State Bank was established in 1932 in rural South Dakota and has been building strong client relationships ever since. We first opened our doors in Tyndall, SD, and have since expanded to Chancellor, Viborg, and across the border to Jackson and Heron Lake, MN. As a local Midwest business.
(608) 643-3393 Lender's profile and map Reviews Bank of Prairie du Sac 555 Park Avenue, Prairie Du Sac, WI, 53578 Bank of Prairie du Sac operates under a charter granted to the Peoples State Bank on March 22, 1916. The original bank was located at the corner of Galena and Water Street in Prairie du Sac. In January 1932, the Peoples State Bank and the Prairie Sauk Bank merged to form Bank of Prairie du Sac.
(906) 265-5131 Lender's profile and map Reviews The Miners State Bank 312 W. Genesee Street, Iron River, MI, 49935 The mission of The Miners State Bank is to remain an independent, well managed, community-oriented bank, serving customers in select markets with quality products and services that exceed their expectations. We are committed to providing a challenging work environment, thereby creating exceptional employee career opportunities.
(608) 348-2685 Lender's profile and map Reviews Mound City Bank 25 East Pine Street, Platteville, WI, 53818 Founded in 1915, Mound City Bank are committed to our customers, communities & our employees; specializing in personal, mortgage, agricultural, commercial & trust banking services. Our team of professionals will work with you one on one to ensure you have the right products & services that fit your needs.
(608) 348-2727 Lender's profile and map Reviews Clare Bank, National Association 345 W. Pine St., Platteville, WI, 53818 Clare Bank was originally started as State Bank of Platteville in 1905. Clare Bank is a strong community bank in Southwest Wisconsin with eight locations. There are seven locations in Grant County and one in Lafayette County. The main branch is located in Platteville and the seven remaining branches are conveniently located within 30 miles.
(701) 454-3317 Lender's profile and map Reviews KodaBank 104 South Main Street, Drayton, ND, 58225 KodaBank, we offer a wide variety of affordable consumer loans. But money is only one part of the deal. We focus on listening to you, learning all about your personal goals, and finding the right financing to fit your needs. It's a straight-forward, common-sense approach to lending that earns us both new and repeat customers and sets us apart from
(608) 643-6300 Lender's profile and map Reviews Wisconsin River Bank 608 Phillips Boulevard, Sauk City, WI, 53583 Wisconsin River Bank remains an independent community bank. We provide premium quality service with enhanced relationships to meet the financial need of all of our clients, both large and small. Let us partner with you and assist you with your personal and business lending or leasing needs.