USDA VS FHA in St.-Michael, Wright County, MN

In 2025, within St.-Michael, located in Wright county, MN, the USDA loan limit is set at $322,000, whereas the FHA limit for a single-family home is $402,500.

To compare today's top USDA and FHA rates, use the Lendersa® USDA loan calculator, which helps determine the necessary income, credit standing, reserves, and documentation for qualification. Our advanced mortgage calculator also lets you view USDA, FHA, Conforming, and VA programs side by side, aiding in selecting the optimal program for your financial circumstances in .

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2025 Loan Limits and Down Payment Requirements in St.-Michael, County of Wright, MN

Loan Type Loan Limit Down Payment
USDA $322,000 0%
FHA $402,500 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Solutions in St.-Michael, MN

At Lendersa®, our primary objective is to provide the best possible USDA or FHA loan promptly and with minimal hassle. Choose one of three starting points to connect with matching lenders and USDA loan programs.

Visual of Lendersa USDA loan request and matching results

Understanding USDA Loans in MN

The USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans demand no down payment, offering a significant benefit to eligible homebuyers.

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



  • Guthrie Community Credit Union
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  • Guthrie Community Credit Union is a member-owned, not-for-profit financial cooperative. GCCU is federally insured by NCUA and an Equal Housing Lender Guthrie Community Credit Union is a full-service financial institution based in Sayre, PA.Our Mission is to provide members with the highest quality financial services.
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  • We believe working with our friends & neighbors means we can offer more personal,more individualized service than you might get elsewhere.The mortgage loan expert who begins the process with you will work with you all the way through closing. They’ll answer questions,openly sharing advice & helping through all the steps until your loan is approved.
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  • AloStar Bank of Commerce
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  • Texas Bank first opened its doors for business in May 1973. The bank was originally established in Tatum, Texas by a group of local investors who saw the need for financial services from a community institution that could better serve the town's needs. The bank experienced success and grew steadily.