USDA Loan Vs. FHA loan pro & con Zumbrota, Goodhue County, MN

In 2026, the USDA loan limit for Zumbrota, in Goodhue county, MN, is $336,500. The FHA limit for a single-family home, on the other hand, stands at $472,030.

Make use of the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, and determine the necessary income, credit, reserves, and paperwork required to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, helping you select the best program for your financial scenario in .

USDA and FHA Loan Options in Zumbrota, MN

Lendersa®'s aim is to swiftly provide you with the best USDA or FHA loans, hassle-free. Select one of three different paths that will connect you to matching lenders and USDA loan programs.

Results of Lendersa USDA loan request 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 exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment, making them accessible to eligible borrowers.

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Zumbrota Lenders
(507) 527-2236 Lender's profile and map Heritage Bank Minnesota 181 Main Street, West Concord, MN, 55985 Lends in Minnesota Heritage Bank is proud of its southern Minnesota history, rooted in local family ownership. Known as Farmers State Bank from 1930-2018, this community bank originated in West Concord, Minnesota. In 1966, current owners, Al and Mary Ellen Organ, moved from the Rice Lake, Wisconsin area to West Concord.
(888) 388-7133 Lender's profile and map Red Wing Credit Union 3303 North Service Drive, Red Wing, MN, 55066 Lends in Minnesota Red Wing Shoe Company employees decided to form a cooperative from which they could save and borrow at reasonable rates. The Red Wing Shoe Company Employees Credit Union began operation on June 1, 1954 in Plant 1 of the Red Wing Shoe Company, operated by members/volunteers. Professional staff was hired as the credit union grew,
(651) 388-5150 Lender's profile and map SJD Mortgage Services 142 Cannon View Dr, Red Wing, MN, 55066 Lends in Minnesota SJD Mortgage Services is a community lender that has been serving Minnesota home owners since 2004. SJD Mortgage Services has its office located in beautiful Red Wing Minnesota, one hour south east of Minneapolis, MN. At SJD Mortgage Services, our mission is to set a high standard in the mortgage industry.
(507) 280-0621 Lender's profile and map Olmsted National Bank 975 34th Avenue NW, Rochester, MN, 55901 Lends in Minnesota ONB Bank is the sole member of Olmsted Holding Corporation, a bank holding company headquartered in Rochester, Minnesota. ONB Bank offers a full array of services while maintaining the integrity of a community bank where decisions are made locally. ONB Bank takes pride in having served our community since 1996.
(507) 282-1845 Lender's profile and map Sterling State Bank 4200 Badger Hills Dr NW, Rochester, MN, 55901 Lends in Minnesota Sterling State Bank has been providing consumer and commercial banking services to Austin, MN and the southeast MN area for over 50 years. Our experienced Personal Bankers and mortgage Lenders can help with any of your banking needs from home mortgages to business cash management services.
(507) 289-0411 Lender's profile and map Minnesota First 1932 Viking Dr NW, Rochester, MN, 55901 Lends in Minnesota What sets Minnesota First apart from other financial institutions? That’s easy. Personalized service for over 50 years. At Minnesota First you are treated like an individual, not a number. We are never to busy to help you or assist you with any questions or financial needs that you have.
(507) 280-1973 Lender's profile and map MCT Financial 3240 East River Road, Rochester, MN, 55906 Lends in Minnesota At MCT Financial, we have over 30 years of experience in serving mortgage borrowers. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. We offer unparalleled mortgage and refinance service to clients throughout the entire State of Minnesota!
(507) 299-0240 Lender's profile and map Main Source Mortgage 3224 6th Ave NE, Rochester, MN, 55906 Lends in Minnesota Main Source Mortgage our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process so that you can confidently select the best loan for you & your company from the many loan options that are available today.
(507) 775-2316 Lender's profile and map First Security Bank 316 Byron Avenue North, Byron, MN, 55920 Lends in Minnesota First Security Bank is a local, family owned bank that is a proud supporter in helping customers achieve financial success and freedom. We are passionate about the community in which we live and work and strive to pay it forward and make a positive impact to better the lives of others.