USDA VS FHA in St.-Paul, Ramsey County, MN

In 2025, USDA loan limit in St.-Paul, county of Ramsey, MN is $0 while FHA limit is $402,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in St.-Paul, county of Ramsey, MN

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

USDA and FHA loan options in St.-Paul, MN

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Minnesota?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • The Proton Group Inc.
  • 119 Jadestone, Irvine, CA, 92603
  • The Proton Group Inc will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved.
  • Westpark Loans
  • 6789 Quail Hill Pkwy, Irvine, CA, 92603
  • Westpark Loans is a nationwide, direct hard money lender. Established in 2007, we provide short-term fix & flip financing and long-term rental financing for real estate investors. Our loans, often called hard money loans, can be used for the purchase or refinance of non-owner occupied residential & commercial properties, financing of renovation pro
  • Westpark Equity Group Inc
  • 6789 Quail Hill Pkwy #146, Irvine, CA, 92603
  • Westpark Loans is a nationwide,direct hard money lender, provide short-term fix & flip financing and long-term rental financing for real estate investors.Our loans, often called hard money loans, can be used for the purchase or refinance of non-owner occupied residential & commercial properties, financing of renovation project, and bridge funding.
  • Empower Lending Group
  • 16501 Ventura Blvd, Suite 400, Encino, CA, 91354
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • Veterans Advocate Mortgage Company
  • 6120 Paseo Del Norte, Carlsbad, CA, 92011
  • The VAMC is veteran owned/operated. With many years in mortgages, Joshua will work hard to get you the best deal in the current market. He is assisted by his team of highly experienced processors and they have very fast turn times. We have many years in the mortgage industry before starting this VA specific venture.
  • Get Assured Inc
  • 150 E. Olive Avenue, Burbank, CA, 91502
  • Get Assured Inc. is to guide you through the entire process of buying and selling, to make sure you understand every step of the transaction. We are absolutely committed to fulfilling your needs with the highest level of professionalism, expertise and service. Our commitment to your satisfaction is the foundation from which a solid business.
  • Vantex Capital Group
  • 2011 Palomar Airport Rd, Suite 203, Carlsbad, CA, 92011
  • At Vantex Capital Group, hard money mortgage lending is our primary business. We have been a hard money lender since 2003 and our President has been originating hard money mortgage loans for over forty years. We pride ourselves on being able to give you an answer on your hard money loan request the same day.
  • PacificFirst Mortgage
  • 6120 Paseo Del Norte, Suite A-2, Carlsbad, CA, 92011
  • PacificFirst Mortgage believes in the value of relationships and it's this idea that ensures that we provide each of our clients with the Very Best customer service found anywhere in the mortgage industry. Our dedicated team of financial professionals are trained and committed to have immediate communication with you concerning your mortgage needs.
  • Pacific Financial Mortgage Group, Inc.
  • 113 W Linden Court, Burbank, CA, 91502
  • Pacific Financial Mortgage Group, Inc. was founded in 1982 in Los Angeles, California. We are a nationwide direct lender serving customers in 31 states and ranked among the nation’s top lenders. Our success comes from blending the lowest possible rates and fees with great customer service.