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$289,000$374,000
Becker County, MN$289,000$374,000
Beltrami County, MN$289,000$374,000
Big Stone County, MN$289,000$374,000
Brown County, MN$289,000$374,000
Cass County, MN$289,000$374,000
Chippewa County, MN$289,000$374,000
Clearwater County, MN$289,000$374,000
Cook County, MN$289,000$374,000
Cottonwood County, MN$289,000$374,000
Crow Wing County, MN$289,000$374,000
Douglas County, MN$289,000$374,000
Duluth, MN-WI MSA$289,000$374,000
Fargo, ND-MN MSA$306,000$408,000
Faribault County, MN$289,000$374,000
Fillmore County, MN HUD Metro FMR Area$289,000$374,000
Freeborn County, MN$289,000$374,000
Goodhue County, MN$306,000$391,000
Grand Forks, ND-MN MSA$306,000$391,000
Grant County, MN$289,000$374,000
Hubbard County, MN$289,000$374,000
Itasca County, MN$289,000$374,000
Jackson County, MN$289,000$374,000
Kanabec County, MN$289,000$374,000
Kandiyohi County, MN$289,000$374,000
Kittson County, MN$289,000$374,000
Koochiching County, MN$289,000$374,000
La Crosse-Onalaska, WI-MN MSA$289,000$374,000
Lac qui Parle County, MN$289,000$374,000
Lake County, MN$289,000$374,000
Lake of the Woods County, MN$289,000$374,000
Le Sueur County, MN HUD Metro FMR Area$289,000$391,000
Lincoln County, MN$289,000$374,000
Lyon County, MN$289,000$374,000
Mahnomen County, MN$289,000$374,000
Mankato-North Mankato, MN MSA$306,000$391,000
Marshall County, MN$289,000$374,000
Martin County, MN$289,000$374,000
McLeod County, MN$289,000$391,000
Meeker County, MN$289,000$374,000
Mille Lacs County, MN HUD Metro FMR Area$289,000$374,000
Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area$323,000$417,000
Morrison County, MN$289,000$374,000
Mower County, MN$289,000$374,000
Murray County, MN$289,000$374,000
Nicollet County, MN SEA$306,000$391,000
Nobles County, MN$289,000$374,000
Norman County, MN$289,000$374,000
Otter Tail County, MN$289,000$374,000
Pennington County, MN$289,000$374,000
Pine County, MN$289,000$374,000
Pipestone County, MN$289,000$374,000
Pope County, MN$289,000$374,000
Red Lake County, MN$289,000$374,000
Redwood County, MN$289,000$374,000
Renville County, MN$289,000$374,000
Rice County, MN$306,000$391,000
Rochester, MN HUD Metro FMR Area$323,000$417,000
Rock County, MN$289,000$374,000
Roseau County, MN$289,000$374,000
Sibley County, MN HUD Metro FMR Area$289,000$374,000
St. Cloud, MN MSA$289,000$391,000
Steele County, MN$306,000$408,000
Stevens County, MN$289,000$391,000
Swift County, MN$289,000$374,000
Todd County, MN$289,000$374,000
Traverse County, MN$289,000$374,000
Wabasha County, MN HUD Metro FMR Area$289,000$374,000
Wadena County, MN$289,000$374,000
Waseca County, MN$289,000$374,000
Watonwan County, MN$289,000$374,000
Wilkin County, MN$289,000$374,000
Winona County, MN$289,000$374,000
Yellow Medicine County, MN$289,000$374,000
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