Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Minnesota. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Minnesota Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Aitkin County, MN | $323,000 | $417,000 |
| Becker County, MN | $323,000 | $417,000 |
| Beltrami County, MN | $323,000 | $417,000 |
| Big Stone County, MN | $323,000 | $417,000 |
| Brown County, MN | $323,000 | $417,000 |
| Cass County, MN | $323,000 | $417,000 |
| Chippewa County, MN | $323,000 | $417,000 |
| Clearwater County, MN | $323,000 | $417,000 |
| Cook County, MN | $323,000 | $417,000 |
| Cottonwood County, MN | $323,000 | $417,000 |
| Crow Wing County, MN | $323,000 | $417,000 |
| Douglas County, MN | $323,000 | $417,000 |
| Duluth, MN-WI MSA | $323,000 | $417,000 |
| Fargo, ND-MN MSA | $340,000 | $431,000 |
| Faribault County, MN | $323,000 | $417,000 |
| Fillmore County, MN HUD Metro FMR Area | $323,000 | $417,000 |
| Freeborn County, MN | $323,000 | $417,000 |
| Goodhue County, MN | $323,000 | $417,000 |
| Grand Forks, ND-MN MSA | $340,000 | $431,000 |
| Grant County, MN | $323,000 | $417,000 |
| Hubbard County, MN | $323,000 | $417,000 |
| Itasca County, MN | $323,000 | $417,000 |
| Jackson County, MN | $323,000 | $417,000 |
| Kanabec County, MN | $323,000 | $417,000 |
| Kandiyohi County, MN | $323,000 | $417,000 |
| Kittson County, MN | $323,000 | $417,000 |
| Koochiching County, MN | $323,000 | $417,000 |
| La Crosse-Onalaska, WI-MN MSA | $323,000 | $408,000 |
| Lac qui Parle County, MN | $323,000 | $417,000 |
| Lake County, MN | $323,000 | $417,000 |
| Lake of the Woods County, MN | $323,000 | $417,000 |
| Le Sueur County, MN HUD Metro FMR Area | $323,000 | $417,000 |
| Lincoln County, MN | $323,000 | $417,000 |
| Lyon County, MN | $323,000 | $417,000 |
| Mahnomen County, MN | $323,000 | $417,000 |
| Mankato-North Mankato, MN MSA | $323,000 | $417,000 |
| Marshall County, MN | $323,000 | $417,000 |
| Martin County, MN | $323,000 | $417,000 |
| McLeod County, MN | $323,000 | $417,000 |
| Meeker County, MN | $323,000 | $417,000 |
| Mille Lacs County, MN HUD Metro FMR Area | $323,000 | $417,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area | $374,000 | $483,000 |
| Morrison County, MN | $323,000 | $417,000 |
| Mower County, MN | $323,000 | $417,000 |
| Murray County, MN | $323,000 | $417,000 |
| Nicollet County, MN SEA | $323,000 | $417,000 |
| Nobles County, MN | $323,000 | $417,000 |
| Norman County, MN | $323,000 | $417,000 |
| Otter Tail County, MN | $323,000 | $417,000 |
| Pennington County, MN | $323,000 | $417,000 |
| Pine County, MN | $323,000 | $417,000 |
| Pipestone County, MN | $323,000 | $417,000 |
| Pope County, MN | $323,000 | $417,000 |
| Red Lake County, MN | $323,000 | $417,000 |
| Redwood County, MN | $323,000 | $417,000 |
| Renville County, MN | $323,000 | $417,000 |
| Rice County, MN | $340,000 | $449,000 |
| Rochester, MN HUD Metro FMR Area | $374,000 | $483,000 |
| Rock County, MN | $323,000 | $417,000 |
| Roseau County, MN | $323,000 | $417,000 |
| Sibley County, MN HUD Metro FMR Area | $323,000 | $417,000 |
| St. Cloud, MN MSA | $323,000 | $417,000 |
| Steele County, MN | $323,000 | $417,000 |
| Stevens County, MN | $323,000 | $417,000 |
| Swift County, MN | $323,000 | $417,000 |
| Todd County, MN | $323,000 | $417,000 |
| Traverse County, MN | $323,000 | $417,000 |
| Wabasha County, MN HUD Metro FMR Area | $323,000 | $417,000 |
| Wadena County, MN | $323,000 | $417,000 |
| Waseca County, MN | $323,000 | $417,000 |
| Watonwan County, MN | $323,000 | $417,000 |
| Wilkin County, MN | $323,000 | $417,000 |
| Winona County, MN | $323,000 | $417,000 |
| Yellow Medicine County, MN | $323,000 | $417,000 |
