USDA VS FHA in Two-Harbors, Lake County, MN

For 2025, the USDA loan limit in Two-Harbors, county of Lake, MN, is set at $285,000. Conversely, the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA versus FHA rates, determining the required income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program for your financial situation in .

Compare loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Two-Harbors, Lake, MN

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Two-Harbors, MN

Lendersa® aims to quickly connect you with the best USDA or FHA loan options without hassle. Choose from one of three methods to pair with matching lenders and the appropriate USDA loan programs.

Lendersa USDA loan requests and results

Understanding USDA Loans in MN

A USDA home loan, insured by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans demand no down payment.

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



  • Pistola Holdings, LLC
  • 5049 Edwards Ranch Rd, FL 4, Fort Worth, TX, 76109
  • We are guided by a firm conviction that the best way for us to create value – as a company – is by doing transactions that create value for our customers and partners. We offer creative financing options to homeowners that allow them to sell their property at full market value, defer capital gains taxes, sell property faster.
  • LOANFI MORTGAGE
  • 5049 Edwards Ranch Road, Suite 04-151, Fort Worth, TX, 76109
  • The loanFi mortgage team is your local mortgage company in Fort Worth. They understand how overwhelming the home loan process can be, but will always educate their clients on all their services offered, to ensure their customer is choosing the best option for their financial goals.
  • The Andovers Federal Credit Union
  • 19 Lupine Road, Suite C, Andover, MA, 01810
  • The Andovers Federal Credit Union is a non-profit financial institution owned and operated by its members. It is the purpose of the Credit Union to provide financial services and education to its members and develop relationships that make a difference in our members’ lives, while maintaining a stable and secure future for its membership.
  • Sandton Partners LLC
  • 36 Corbett St, Andover, MA, 01810
  • At Sandton Partners LLC, we are dedicated to helping you. We have helped Real Estate Investors in New England and across the United States with the short term financing solutions necessary for their real estate business to succeed. We lend against non-owner Occupied properties, and specialize in rehab loans
  • Franklin Savings Bank
  • 197 Main Street, Farmington, ME, 04938
  • Franklin Savings Bank is a community bank with locations in the Western Maine foothills and a Business Center in Ellsworth. We offer full-service, 24-hour bank that has been meeting the financial needs of our communities since 1868. Find out why everyone loves to Bank with Frank!
  • First Community Bank of Central
  • 715 Wilson St Wetumpka, Wetumpka, AL, 36092
  • First Community Bank of Central Alabama is a commercial Bank that has been open since August, 2001. We currently have offices in Wetumpka, Millbrook, Eclectic, Prattville, Tallassee, and Holtville. We also operate a Wealth Management Division and a full-service mortgage company, First Community Mortgage. It is our belief that a community is best
  • NRCS FCU
  • 501 West Felix Street, Building 24, Fort Worth, TX, 76115
  • Natural Resources Conservation Service Federal Credit Union (NRCS FCU) was chartered in 1937, just one year after the Soil Conservation Service (SCS) established its presence in Fort Worth, TX. Originally, the credit union membership was only open to the employees of SCS who worked in Fort Worth. Subsequent field of membership .
  • Scient Federal Credit Union
  • 60 Colver Avenue, Groton, CT, 06340
  • Scient Federal Credit Union is a member-owned, federally insured credit union that has been serving the needs of life science professionals and their families since 1968. Built upon the philosophy of “people helping people, ” Scient works to improve the quality of our members’ lives by providing tailored products
  • Chelsea Groton Bank
  • 904 Poquonnock Road, Groton, CT, 06340
  • Chelsea Groton Bank is a mutually owned bank with 14 locations throughout New London County and a Loan Production Office in Hartford County. The Bank has over $1 billion in assets and serves businesses, individuals and families throughout Connecticut and Rhode Island. To learn more, please visit chelseagroton.com
  • Corporate Capital LLC
  • 610 Uptown Boulevard, Suite 2000, Cedar Hill, TX, 75104
  • ince 2013, Corporate Capital, LLC has strived to operate as a trusted source for borrowers in need of funding. Our staff is trained to help you get the best loan option for your property or project. We offer the best loan programs designed to meet the needs for the traditional borrowers with verifiable income to the self employed .