For the year 2026, the USDA loan limit set in Winona, county of Winona, MN, is $336,500, while the FHA limit for a single-family dwelling is $472,030.
Use the Lendersa® USDA loan calculator to evaluate and compare today's best rates for USDA vs. FHA loans, and identify the required income, credit, reserves, and documentation needed for eligibility. With our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side by side, helping you determine which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to swiftly and seamlessly connect you with the best USDA or FHA loans available. Begin your journey by selecting one of three initial approaches to effectively match with lenders and suitable USDA loan plans.
A USDA home loan is a mortgage backed by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, and is specifically offered in rural areas. Unlike FHA loans that demand at least a 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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