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.
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