USDA and FHA Pro and Con in Willmar, Kandiyohi County, MN
In 2026, the USDA loan limit for Willmar, located in the county of Kandiyohi, MN, stands at $336,500. In contrast, the FHA limit for a single-family home is $472,030.
With the Lendersa® USDA loan calculator, you can compare top USDA and FHA rates today and assess the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, helping you decide on the program in best suited to your financial situation.
2026 Loan Limits and Downpayment Requirements in Willmar, County of Kandiyohi, MN
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Willmar, MN
Lendersa® is committed to helping you obtain the best USDA or FHA loan swiftly and with ease. Choose from three initial options to connect with matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, is sometimes called a USDA rural development loan or USDA mortgage. These loans are available only in rural areas, and unlike FHA loans that require at least a 3.5% down payment, USDA mortgage loans require no down payment at all.
Bankers. Neighbors. Minnesotans. Lake Region Bank has been your neighbor since 1915. We live and work in your community, and you’ll see us at many of your neighborhood events. Our success has always been tied to the success of local families and businesses. From personal banking and insurance to business banking and wealth management services,
Midwest Mortgage has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals and individual homebuyers throughout Minnesota. We’re a full-service mortgage broker offering expertise in every area of mortgage lending.
PrinsBank was established in 1916 to serve the needs of our local communities. We offer a variety of banking products and services. We are proud of our ability to provide full-service banking with prompt, local decision making from people who know you. PrinsBank strives to make our customer's banking experiences easy and pleasant.
United Minnesota Bank is a locally owned, independent community bank that offers the same wealth of products and services as larger banks, yet provides high-quality customer service. Since our inception in 1890 as the State Bank of New London, we have served the banking needs of many families and local businesses. We have partnered with them to fos
When the bank opened in 1884, the founders had a clear vision: safeguarding people’s money so they could realize their dreams, & contributing to the community, making it a great place to live and work. In 1951, Russell Bauman joined the State Bank of Kerkhoven. He purchased the bank in 1976 & carried the vision forward with unwavering dedication.
Kensington Bank is a community bank with locations in Belgrade, Cokato, Elrosa, Herman, Kensington, Saint Cloud, and Willmar, MN. We strive to provide excellent service and growth along with our customers.
To be a trusted partner in the financial success of our customers one relationship at a time and give back to the communities we serve.
Center Bank is a people-focused community bank with locations in Plymouth, Chaska & Litchfield, Minnesota. What makes Center Bank different: 1- Your money stays local, right here in Minnesota. 2- We make decisions locally after getting to know you - we don't just look at who you are on paper like big banks. 3 - you’re not a customer — you’re family
109 West Yellowstone Trail, Buffalo Lake, MN, 55314
Lends in Minnesota
CenBank strives on being a community based bank where the customer is not just a number. The staff at CenBank values the time spent with customers to build relationships and work towards their financial success. CenBank offers a variety of deposit and business accounts as well as lending options to fit your financial needs.
Citizens Bank and Trust, your hometown bank since 1886. We are proud to provide personal banking, commercial banking, agricultural banking, and mortgage lending to Hutchinson and the surrounding area. As one of the few remaining independent banks, we can provide you with fast and flexible service that is unmatched by others.
