USDA Vs. FHA your options comparison in St.-Paul, Ramsey County, MN
In the year 2026, the USDA loan cap available in St.-Paul within Ramsey county, MN stands at $0. For single-family residences, the FHA cap is $402,500.
Discover how the USDA and FHA rates compare today by using the Lendersa® USDA loan calculator. Gauge the necessary income, credit scores, reserves, and documentation you need for qualification. Our cutting-edge mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, enabling you to choose the most suitable program in for your unique financial scenario.
Explore 2026 loan caps and down payment criteria in St.-Paul, located in Ramsey county, MN
Loan Category
Maximum Loan
Down Payment
USDA
$0
0%
FHA
$402,500
3.5%
Conventional Conforming
$548,250
3%
Examine USDA and FHA Mortgage Options in St.-Paul, MN
Lendersa® aims to provide you with the top-tier USDA or FHA loans swiftly and efficiently, without any complications. Choose between three different starting options for matching lenders and USDA loan plans.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is designed for use in rural communities only. This mortgage requires no down payment, unlike FHA loans which necessitate at least a 3.5% down payment.
1621 East Hennepin Ave, Suite 200, Minneapolis, MN, 55414
Lends in Minnesota
At Riverland, we bring a highly personal touch to banking. As a trusted partner, understanding our client’s business goals inside and out enables us to provide counsel and well-designed solutions for their unique needs. Our committed team of experts is both dedicated and accessible to all of our partners at all times.
312 Central Avenue Southeast, Minneapolis, MN, 55414
Lends in Minnesota
At Union Bank & Trust, we know you want to feel secure and confident in your pursuit of a financial services partner, one that’s committed to providing you with services and solutions that meet and exceed your expectations. We believe you deserve a best-in-class team that is focused squarely on the personal.
601 Main Street Southeast, Suite 234, Minneapolis, MN, 55414
Lends in Minnesota
Access Home Loans is a Elite Minneapolis mortgage company Brian Kearney, company's founder and only originator, is an 18 year mortgage industry expert. Simple, smooth process and quick close is the goal for every transaction. LOCAL company, not out-of-state lender. Word-of-mouth and referrals from past clients are primary drivers of my business.
200 University Avenue West, Suite 100, Saint Paul, MN, 55103
Lends in Minnesota
At Sunrise Banks, our success relies on the success of the communities we serve. We offer financially inclusive products that aim to better the lives of our clients in the Twin Cities Metro and beyond. We don’t see ourselves as bankers – we see ourselves as a social engine for good. The Sunrise family has been serving the urban core of Minneapolis
77 Broadway Street Northeast, Minneapolis, MN, 55413
Lends in Minnesota
Northeast Bank is a locally-owned community bank with offices in Northeast Minneapolis, New Brighton and Coon Rapids, MN focused on serving small to medium businesses. At Northeast Bank, we partner to meet community needs. Local businesses are important to us and our community – that is why we go to great lengths to help them grow.
We offer a better banking experience. We're not your average bank. We like problem solving. We like making things happen. And, we like having a little fun while we're at it. Founded on July 21, 1998, North American Banking Company has been committed to providing personal service to its community.
North Star Bank is an independent, locally owned bank with a proud tradition of sound management and integrity. Established in 1947, we have been continuously committed to providing quality, customized banking service for personal and commercial financial needs. When you bank with us, your money is reinvested into the community in which you live
2277 West Highway 36, Suite 304, Roseville, MN, 55113
Lends in Minnesota
Progressive Lending Solutions we have access to practically EVERY loan program and underwriting option that is available in the marketplace. We have all of the programs anyone else would have, but also many that traditional banks do not.As a Consultant, in a sense I can do the shopping for you, identifying what the best underwriting.
1935 County Road B2 West, Suite 265, Roseville, MN, 55113
Lends in Minnesota
First Equity Mortgage, our goal is to find you the best loan with the most competitive rate and terms, so you can move in sooner with less effort. Let us help you navigate the unpredictable housing market, and provide you with the safety, security and peace of mind that comes with closing your loan quickly
