USDA VS FHA in Waite-Park, Stearns County, MN

In 2025, residents of Waite-Park, located in Stearns county, MN, can access a USDA loan with a limit of $285,000. Meanwhile, the FHA loan limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to evaluate the current premier rates between USDA and FHA loans, and ascertain the income, credit, reserves, and documentation you need for qualification. With our comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the most suitable program in Alabama tailored to your financial needs.

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Review of 2025 loan limits and down payment requirements within Waite-Park, Stearns county, MN

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

Examining USDA and FHA loan schemes in Waite-Park, MN

At Lendersa®, our mission is to facilitate a seamless process for obtaining the best USDA or FHA loan for you quickly and efficiently. Choose from three different starting options that connect you with suitable lenders and USDA loan programs.

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Understanding USDA Loans in MN

A USDA home loan, also known as a USDA rural development loan, is a government-backed mortgage guaranteed by the Department of Agriculture, available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgage loans require no down payment at all.

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



  • Frankel Financial Corp
  • 455 Pennsylvania Avenue, Suite 2LF, Fort Washington, PA, 19034
  • In 1976, Frankel Financial Corp. was established with the idea of providing a wide spectrum of financial solutions to the non-bank qualified loan transaction. Since then, Frankel Financial Corp. has evolved into a leading provider of innovative and flexible financial solutions to both bank qualified and non-bank qualified clients throughout
  • Filo Mortgage, L.L.C.
  • 500 Office Center Drive, Suite 400, Fort Washington, PA, 19034
  • Filo, you’ll get an easy and fast process, very low rates and low costs. Your loan experience starts amazing and stays amazing over the loan’s term. Maybe you want to close quickly on a dream home, or refinance a home to lower monthly payments or consolidate debt. We’re industry veterans who understand. Helping home buyers.
  • EAST COAST MORTGAGE AND FINANCIAL SERVICES, INC
  • 540 pennsylvania avenue, Suite 230, Fort Washington, PA, 19034
  • East Coast Mortgage is a family owned business that originally opened their doors in 1977. Once run by brothers Harvey and Lenny Seidman, it is has been operated by Harvey and his son Jeff since 1997. East Coast has been a Mortgage Lender closing and funding loans in our own name since 2002
  • Landmark Bank
  • 12225 St. Helena Street, Clinton, LA, 70722
  • Landmark Bank was founded in August, 1897, and capitalized with $15,000 from local investors who recognized the need for the community to have a bank to call its own. The original management team of The Hon. D. W. Pipes (President), E. J. Buck (Vice President) and H. H. Forrestor (Cashier) established our commitment to personal service from the ver
  • 1st Call Mortgage LLC
  • 8339 Wetherden Drive, Mechanicsville, VA, 23111
  • 1st Call Mortgage LLC mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Independent Advantage Mortgage, LLC
  • 1525 E. Franklin Street, Suite 4, Chapel Hill, NC, 27514
  • Independent Advantage Mortgage, LLC. is a full-service mortgage company based in Chapel Hill, North Carolina serving the entire state but mostly in Orange County, Durham County and Wake county. Whether you are buying a home or refinancing you owe it to yourself to see what I can do for you.
  • Carolina Home Mortgage
  • 1506 E. Franklin Street, Suite 201, Chapel Hill, NC, 27514
  • Carolina Home Mortgage is a family-owned mortgage broker headquartered in Chapel Hill with branch offices in Pittsboro and Fayetteville. Serving all of NC through www.CarolinaHomeMortgage.com, you can take advantage of comparing the products of 10 or more lenders without leaving the comfort of your home. Our company does not lend the money.
  • Pioneer Bank
  • 652 Albany Shaker Road, Albany, NY, 12211
  • Founded for the financial strength of the community, Pioneer has been operating within New York's Greater Capital Region for more than 130 years, providing financial support to help people build a better life. Today, our values remain the same, holding firm to our belief that the customer, our employees, and our community come first.
  • Washington State Bank
  • 103 N. Main St, Washington, LA, 70589
  • Washington State Bank is an independent, locally-owned community bank. We offer modern and efficient systems in order to provide excellent products and services. Personal and Business Banking Available Checking Accounts, Savings Accounts, Loans, Mortgages, etc. The types of personal information we collect and share depend on the product
  • Apex Mortgage Corp.
  • 1 Walnut Grove Drive, Suite 300, Horsham, PA, 19044
  • For over 20 years, APEX has provided small-balance commercial real estate mortgages directly to small business owners and investors who can’t secure traditional financing. We specialize in commercial mortgages ranging from $25,000 to $1.5 million. We’re about more than just the bottom line. We listen. We partner. We make smart, fast decisio