USDA Vs. FHA Pro and Con comparison in White-Bear-Lake, Ramsey County, MN
In 2025, the USDA loan limit for White-Bear-Lake, in Ramsey county, MN, is set at $0, while the FHA loan limit for a single-family home is $402,500.
Utilize the Lendersa® USDA loan calculator to explore and compare today's leading rates between USDA and FHA loans. Determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you in selecting the best program in that meets your specific financial needs.
2025 Loan Limits and Down Payment Requirements in White-Bear-Lake, County of Ramsey, MN
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$402,500
3.5%
Conventional Conforming
$548,250
3%
Available USDA and FHA Loan Options in White-Bear-Lake, MN
Lendersa® is committed to finding you the optimal USDA or FHA loan quickly and without hassle. Begin by selecting one of three pathways to connect with suitable lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is specifically available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans have no down payment requirement.
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