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 .
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.
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.
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