What are FHA Loan Limits in Minnesota?

FHA loans are a low down payment mortgage program and Minnesota FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Minnesota are set at the floor amount of $275,665 across almost the entire state.

Minnesota FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
AITKINNON-METRO$275,665$352,950$426,625$530,150
ANOKAMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
BECKERNON-METRO$275,665$352,950$426,625$530,150
BELTRAMIBEMIDJI, MN$275,665$352,950$426,625$530,150
BENTONST. CLOUD, MN$275,665$352,950$426,625$530,150
BIG STONENON-METRO$275,665$352,950$426,625$530,150
BLUE EARTHMANKATO-NORTH MANKATO, MN$275,665$352,950$426,625$530,150
BROWNNEW ULM, MN$275,665$352,950$426,625$530,150
CARLTONDULUTH, MN-WI$275,665$352,950$426,625$530,150
CARVERMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
CASSBRAINERD, MN$275,665$352,950$426,625$530,150
CHIPPEWANON-METRO$275,665$352,950$426,625$530,150
CHISAGOMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
CLAYFARGO, ND-MN$275,665$352,950$426,625$530,150
CLEARWATERNON-METRO$275,665$352,950$426,625$530,150
COOKNON-METRO$282,900$362,150$437,750$544,050
COTTONWOODNON-METRO$275,665$352,950$426,625$530,150
CROW WINGBRAINERD, MN$275,665$352,950$426,625$530,150
DAKOTAMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
DODGEROCHESTER, MN$275,665$352,950$426,625$530,150
DOUGLASALEXANDRIA, MN$275,665$352,950$426,625$530,150
FARIBAULTNON-METRO$275,665$352,950$426,625$530,150
FILLMOREROCHESTER, MN$275,665$352,950$426,625$530,150
FREEBORNALBERT LEA, MN$275,665$352,950$426,625$530,150
GOODHUERED WING, MN$275,665$352,950$426,625$530,150
GRANTNON-METRO$275,665$352,950$426,625$530,150
HENNEPINMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
HOUSTONLA CROSSE-ONALASKA, WI-MN$275,665$352,950$426,625$530,150
HUBBARDNON-METRO$275,665$352,950$426,625$530,150
ISANTIMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
ITASCANON-METRO$275,665$352,950$426,625$530,150
JACKSONNON-METRO$275,665$352,950$426,625$530,150
KANABECNON-METRO$275,665$352,950$426,625$530,150
KANDIYOHIWILLMAR, MN$275,665$352,950$426,625$530,150
KITTSONNON-METRO$275,665$352,950$426,625$530,150
KOOCHICHINGNON-METRO$275,665$352,950$426,625$530,150
LAC QUI PARLENON-METRO$275,665$352,950$426,625$530,150
LAKENON-METRO$275,665$352,950$426,625$530,150
LAKE OF THE WOONON-METRO$275,665$352,950$426,625$530,150
LE SUEURMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
LINCOLNNON-METRO$275,665$352,950$426,625$530,150
LYONMARSHALL, MN$275,665$352,950$426,625$530,150
MAHNOMENNON-METRO$275,665$352,950$426,625$530,150
MARSHALLNON-METRO$275,665$352,950$426,625$530,150
MARTINNON-METRO$275,665$352,950$426,625$530,150
MCLEODHUTCHINSON, MN$275,665$352,950$426,625$530,150
MEEKERNON-METRO$275,665$352,950$426,625$530,150
MILLE LACSMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
MORRISONNON-METRO$275,665$352,950$426,625$530,150
MOWERAUSTIN, MN$275,665$352,950$426,625$530,150
MURRAYNON-METRO$275,665$352,950$426,625$530,150
NICOLLETMANKATO-NORTH MANKATO, MN$275,665$352,950$426,625$530,150
NOBLESWORTHINGTON, MN$275,665$352,950$426,625$530,150
NORMANNON-METRO$275,665$352,950$426,625$530,150
OLMSTEDROCHESTER, MN$275,665$352,950$426,625$530,150
OTTER TAILFERGUS FALLS, MN$275,665$352,950$426,625$530,150
PENNINGTONNON-METRO$275,665$352,950$426,625$530,150
PINENON-METRO$275,665$352,950$426,625$530,150
PIPESTONENON-METRO$275,665$352,950$426,625$530,150
POLKGRAND FORKS, ND-MN$275,665$352,950$426,625$530,150
POPENON-METRO$275,665$352,950$426,625$530,150
RAMSEYMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
RED LAKENON-METRO$275,665$352,950$426,625$530,150
REDWOODNON-METRO$275,665$352,950$426,625$530,150
RENVILLENON-METRO$275,665$352,950$426,625$530,150
RICEFARIBAULT-NORTHFIELD, MN$275,665$352,950$426,625$530,150
ROCKNON-METRO$275,665$352,950$426,625$530,150
ROSEAUNON-METRO$275,665$352,950$426,625$530,150
SCOTTMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
SHERBURNEMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
SIBLEYMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
ST. LOUISDULUTH, MN-WI$275,665$352,950$426,625$530,150
STEARNSST. CLOUD, MN$275,665$352,950$426,625$530,150
STEELEOWATONNA, MN$275,665$352,950$426,625$530,150
STEVENSNON-METRO$275,665$352,950$426,625$530,150
SWIFTNON-METRO$275,665$352,950$426,625$530,150
TODDNON-METRO$275,665$352,950$426,625$530,150
TRAVERSENON-METRO$275,665$352,950$426,625$530,150
WABASHAROCHESTER, MN$275,665$352,950$426,625$530,150
WADENANON-METRO$275,665$352,950$426,625$530,150
WASECANON-METRO$275,665$352,950$426,625$530,150
WASHINGTONMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
WATONWANNON-METRO$275,665$352,950$426,625$530,150
WILKINWAHPETON, ND-MN$275,665$352,950$426,625$530,150
WINONAWINONA, MN$275,665$352,950$426,625$530,150
WRIGHTMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$332,350$425,450$514,300$639,150
YELLOW MEDICINENON-METRO$275,665$352,950$426,625$530,150

Minnesota FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are Minnesota FHA Limits Set?

Minnesota FHA Loan LimitsMortgage limits for Minnesota FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

Minnesota FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in MN is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in MN is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Minnesota FHA loan limits are set above the nationwide floor in areas surrounding Minneapolis, Saint Paul, and Bloomington. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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