What are FHA Loan Limits in North Dakota?

FHA loans are a low down payment mortgage program and North Dakota 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 North Dakota are set at the floor amount of $275,665 across almost the entire state.

North Dakota FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAMSNON-METRO$331,760$424,800$513,450$638,100
BARNESNON-METRO$331,760$424,800$513,450$638,100
BENSONNON-METRO$331,760$424,800$513,450$638,100
BILLINGSDICKINSON, ND$339,250$434,300$524,950$652,400
BOTTINEAUNON-METRO$331,760$424,800$513,450$638,100
BOWMANNON-METRO$331,760$424,800$513,450$638,100
BURKENON-METRO$331,760$424,800$513,450$638,100
BURLEIGHBISMARCK, ND$331,760$424,800$513,450$638,100
CASSFARGO, ND-MN$331,760$424,800$513,450$638,100
CAVALIERNON-METRO$331,760$424,800$513,450$638,100
DICKEYNON-METRO$331,760$424,800$513,450$638,100
DIVIDENON-METRO$331,760$424,800$513,450$638,100
DUNNNON-METRO$331,760$424,800$513,450$638,100
EDDYNON-METRO$331,760$424,800$513,450$638,100
EMMONSNON-METRO$331,760$424,800$513,450$638,100
FOSTERNON-METRO$331,760$424,800$513,450$638,100
GOLDEN VALLEYNON-METRO$331,760$424,800$513,450$638,100
GRAND FORKSGRAND FORKS, ND-MN$331,760$424,800$513,450$638,100
GRANTNON-METRO$331,760$424,800$513,450$638,100
GRIGGSNON-METRO$331,760$424,800$513,450$638,100
HETTINGERNON-METRO$331,760$424,800$513,450$638,100
KIDDERNON-METRO$331,760$424,800$513,450$638,100
LAMOURENON-METRO$331,760$424,800$513,450$638,100
LOGANNON-METRO$331,760$424,800$513,450$638,100
MCHENRYMINOT, ND$331,760$424,800$513,450$638,100
MCINTOSHNON-METRO$331,760$424,800$513,450$638,100
MCKENZIENON-METRO$331,760$424,800$513,450$638,100
MCLEANNON-METRO$331,760$424,800$513,450$638,100
MERCERNON-METRO$331,760$424,800$513,450$638,100
MORTONBISMARCK, ND$331,760$424,800$513,450$638,100
MOUNTRAILNON-METRO$331,760$424,800$513,450$638,100
NELSONNON-METRO$331,760$424,800$513,450$638,100
OLIVERBISMARCK, ND$331,760$424,800$513,450$638,100
PEMBINANON-METRO$331,760$424,800$513,450$638,100
PIERCENON-METRO$331,760$424,800$513,450$638,100
RAMSEYNON-METRO$331,760$424,800$513,450$638,100
RANSOMNON-METRO$331,760$424,800$513,450$638,100
RENVILLEMINOT, ND$331,760$424,800$513,450$638,100
RICHLANDWAHPETON, ND-MN$331,760$424,800$513,450$638,100
ROLETTENON-METRO$331,760$424,800$513,450$638,100
SARGENTNON-METRO$331,760$424,800$513,450$638,100
SHERIDANNON-METRO$331,760$424,800$513,450$638,100
SIOUXNON-METRO$331,760$424,800$513,450$638,100
SLOPENON-METRO$331,760$424,800$513,450$638,100
STARKDICKINSON, ND$339,250$434,300$524,950$652,400
STEELENON-METRO$331,760$424,800$513,450$638,100
STUTSMANJAMESTOWN, ND$331,760$424,800$513,450$638,100
TOWNERNON-METRO$331,760$424,800$513,450$638,100
TRAILLNON-METRO$331,760$424,800$513,450$638,100
WALSHNON-METRO$331,760$424,800$513,450$638,100
WARDMINOT, ND$331,760$424,800$513,450$638,100
WELLSNON-METRO$331,760$424,800$513,450$638,100
WILLIAMSWILLISTON, ND$331,760$424,800$513,450$638,100

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

How are North Dakota FHA Limits Set?

North Dakota FHA Loan LimitsMortgage limits for North Dakota 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.

North Dakota FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in North Dakota 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 North Dakota 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.

North Dakota FHA loan limits are set at the nationwide floor amount in Fargo, Minot, West Fargo, Bismarck and surrounding areas. 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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