For this year, 2025, within St.-James, county of Watonwan, MN, the USDA loan limit is $285,000, whereas the FHA loan limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you select the best program in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to quickly provide you the best USDA or FHA loan options without complications. Choose from three available paths that lead to matching lenders and USDA loan programs.
The USDA home loan is secured by the governmental Department of Agriculture and is also referred to as a USDA rural development loan or USDA mortgage. It is available solely in rural neighborhoods. Unlike FHA loans that demand 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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