USDA Vs. FHA Pro and Con comparison in Grafton, Walsh County, ND
For 2026, the USDA loan cap in Grafton, Walsh county, ND, is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's best rates, USDA vs. FHA, and evaluate the required income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, guiding you toward the program in Alabama that best meets your specific financial needs.
2026 Loan Limits and Downpayment Requirements in Grafton, Walsh, ND
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 Grafton, ND
Lendersa® aims to quickly connect you with the best USDA or FHA loans without the hassle. Choose from one of three starting points to align with lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and known as the USDA rural development loan or mortgage, is available solely in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgages require no down payment at all.
KodaBank, we offer a wide variety of affordable consumer loans. But money is only one part of the deal. We focus on listening to you, learning all about your personal goals, and finding the right financing to fit your needs. It's a straight-forward, common-sense approach to lending that earns us both new and repeat customers and sets us apart from
First United Bank, the seeds of our business were planted more than 125 years ago in the rich, black soil of North Dakota farms. It doesn’t matter how you do business with us; if you are involved with First United Bank, you are involved with agriculture. That’s because our bank is still true to its roots.
Riverfork Federal Credit Union got its start in 1959 by a group of City of Grand Forks employees. The original name of the credit union was Grand Forks City Employees Federal Credit Union. To exemplify the “people helping people” philosophy of the credit union movement, the employees pooled their money and loaned it to those employees in need.
Our roots are planted right here in the Red River Valley, which makes it especially important for us to focus on this area’s ongoing financial health and continued growth. That’s why we spend our time and resources supporting the communities we serve here in North Dakota and Minnesota. This is our home too, and it has been for more than a century.
University Federal Credit Union’s mission is to serve the financial needs of our members by being strong and secure.
Since 1937 University Federal Credit Union has grown to meet the needs of our members by providing quality, not-for-profit financial services at reasonable rates.
The Med Park Credit Union exists as a stable financial organization. It provides members services that will encourage them to accumulate savings, provide them a source of credit and to help educate them that they can attain their optimal level of financial security and independence.
2800 South Washington Street, Grand Forks, ND, 58201
Lends in North Dakota
The Area Community Credit Union has a rich heritage in the Greater Grand Forks area. We started as a Federally Charted Credit Union in 1958. We converted to a State Charted in December, 1964 with approximately $52, 000 in assets. Initially, we were a Credit Union solely for the Grand Forks Public School employees.
With roots tracing back to 1879, Alerus is a diversified financial services company with approximately $31.5 billion in assets under administration/management. We provide business and consumer banking products and services, residential mortgage financing, employer-sponsored retirement plans and wealth management services.
