FHA Vs. USDA loan program for Grand-Forks, Grand Forks County, North Dakota

In 2026, the USDA loan limit set for Grand-Forks, within the confines of Grand Forks county in ND, stands at $285,000, while the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to assess today's optimal USDA vs FHA rates, determining the required income, credit profile, reserves, and documents for eligibility. Our advanced mortgage calculator presents a side-by-side comparison of USDA, FHA, Conforming, and VA programs, assisting in choosing the ideal plan for your financial requirements in Alabama.

Options for USDA and FHA Loans in Grand-Forks, ND

Lendersa® is dedicated to securing the best USDA or FHA loans efficiently and without fuss. Select from one of three starting points to connect with matched lenders and available USDA loan programs.

Lendersa USDA loan application and match outcomes

Defining a USDA Loan in ND

A USDA home loan, a government-backed option by the Department of Agriculture, also known as the USDA rural development loan or mortgage, applies exclusively to rural areas. FHA loans, conversely, require a minimum down payment of 3.5%, unlike the USDA loan which involves no down payment.

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Grand-Forks Lenders
(701) 775-3738 Lender's profile and map University Federal Credit Union 1575 17th Avenue South, Grand Forks, ND, 58201 Lends in North Dakota 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.
(701) 780-5733 Lender's profile and map MED PARK CREDIT UNION 1200 South Columbia Road, Grand Forks, ND, 58201 Lends in North Dakota 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.
(701) 772-2690 Lender's profile and map Area Community Credit Union 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.
(701) 795-3357 Lender's profile and map Alerus Financial 401 Demers Ave, Grand Forks, ND, 58201 Lends in North Dakota 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.
(701) 775-0593 Lender's profile and map Riverfork Federal Credit Union 711 N Washington Street, Grand Forks, ND, 58203 Lends in North Dakota 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.
(701) 847-2600 Lender's profile and map First State Bank & Trust Company 612 Broadway, Thompson, ND, 58278 Lends in North Dakota Officially known as First State Bank since 1938, our five locations in Buxton, Grand Forks, Mayville, Portland and Thompson are centrally located in the heart of North Dakota’s legendary Red River Valley. Known for our commitment to the communities we serve, our respected business, agricultural and mortgage lenders