USDA and FHA Pro and Con in West-St.-Paul, Dakota County, MN
In 2026, for West-St.-Paul within Dakota county in MN, the USDA loan limit is $322,000, whereas the FHA loan limit stands at $402,500 for single-family homes.
Utilize the Lendersa® USDA loan calculator to contrast current USDA vs. FHA rates and evaluate the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can view a side-by-side comparison of USDA, FHA, Conforming, and VA programs, aiding you in determining the best option in for your unique financial needs.
Loan Limits and Down Payment Requirements for 2026 in West-St.-Paul, County of Dakota, 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 Options in West-St.-Paul, MN
The mission of Lendersa® is to swiftly and easily secure the best possible USDA or FHA loan for you. Choose one of three starting points to connect with matching lenders and USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture (also known as the USDA rural development loan or USDA mortgage), is exclusively available in rural areas. Unlike FHA loans, which require a down payment of at least 3.5%, USDA mortgage loans do not require any down payment, offering an advantageous option for eligible buyers.
Mendota Heights-based Gateway Bank was founded in 2004 with a clear vision of what a community bank should be. And we remain committed to conducting every transaction with that vision in mind. We believe that our community is defined by the individuals and businesses within it. We offer competitive personal and business products and services.
1270 Northland Drive, Suite 350, Mendota Heights, MN, 55120
Lends in Minnesota
Expedition Credit Union was established in 1957 to benefit Minnesota Education Association members. Originally named MEA Credit Union, we assisted with the specific financial needs of the education community. Throughout the years — from strikes and natural disasters, to times of prosperity — the credit union was there.
Kvikstad Mortgage Solutions the company in 2004 to provide a better and more personalized option for my clients. As an independent, small business I have very little overhead, so I am able to pass those savings on to my clients. I do not have to charge the same high fees and rates as the banks and other big companies.
1171 Northland Drive, Suite 100, Mendota Heights, MN, 55120
Lends in Minnesota
Gabriel Financial Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
750 South Plaza Drive, Suite 319, Mendota Heights, MN, 55120
Lends in Minnesota
At Spectra Home Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
380 Saint Peter St, Suite 500, Saint Paul, MN, 55102
Lends in Minnesota
We offer banking, mortgage, investment, wealth management, trust and insurance in Minnesota, North Dakota and Wisconsin. We’re here to help you solve your toughest problems, seize your biggest opportunities, and achieve success on your terms, now and in the future. Bremer Bank has roots in the places where we live and work that go back to 1943.
2038 Ford Parkway, Suite 510, Saint Paul, MN, 55116
Lends in Minnesota
Join KPT Mortgage Advisors LLC in revolutionizing the mortgage industry! We're not just brokers; we're trailblazers dedicated to transforming your financial journey. Our mission is clear: empower everyone, from first-time buyers to seasoned investors. Experience unparalleled guidance and advocacy as we prioritize your financial well-being. Contact
At Edina Realty, we believe that an informed buyer or seller is an empowered one. We offer as much information online as possible, and our agents can fill in the gaps that data can’t provide by offering insights you can use throughout the home buying or selling process in Minnesota and western Wisconsin.
BankCherokee works for community business. Community is all about us working together. It’s what makes our community bank and your community business go. At BankCherokee, we know this after more than 100 years in the neighborhood. Today, everything we do reflects our commitment to your success.
