USDA Vs. FHA Pro and Con comparison in Windom, Cottonwood County, MN

In 2025, the USDA loan cap in Windom, county of Cottonwood, MN is set at $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates and figure out the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA offerings side by side, aiding in deciding the best program in for your specific financial situation.

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2025 Loan Limits and Down Payment Requirements in Windom, Cottonwood, MN

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Available USDA and FHA Loan Options in Windom, MN

Lendersa® aims to quickly secure you the best USDA or FHA loan options, hassle-free. Select one of three approaches that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan requests and matches

Understanding USDA Loans in MN

A USDA home loan, supported by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. In contrast to FHA loans that need a minimum 3.5% down payment, USDA loans don't necessitate any down payment.

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



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