Minnesota FHA Loan Limits 2026

View FHA loan limits for all 87 counties in Minnesota. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$552,000

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Minnesota has 74 standard-limit counties and 13 high-cost areas. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Aitkin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Anoka County	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Becker County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Beltrami Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Benton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Big Stone Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Blue Earth Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brown County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carlton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carver County	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Cass County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chippewa Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chisago County	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Clay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clearwater Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cook County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cottonwood Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crow Wing Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dakota County	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Dodge County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Douglas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Faribault Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fillmore Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Freeborn Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Goodhue County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grant County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hennepin Count	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Houston County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hubbard County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Isanti County	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Itasca County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kanabec County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kandiyohi Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kittson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Koochiching Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lac Qui Parle	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lake County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lake Of The Wo	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Le Sueur Count	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lyon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mahnomen Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marshall Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Martin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcleod County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Meeker County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mille Lacs Cou	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Morrison Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mower County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Murray County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nicollet Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nobles County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Norman County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Olmsted County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Otter Tail Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pennington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pine County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pipestone Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Polk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pope County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ramsey County	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Red Lake Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Redwood County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Renville Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rice County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rock County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Roseau County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Scott County	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Sherburne Coun	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Sibley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Louis Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stearns County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Steele County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stevens County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Swift County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Todd County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Traverse Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wabasha County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wadena County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Waseca County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Watonwan Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wilkin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Winona County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wright County	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Yellow Medicin	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Minnesota

Use the calculator below with Minnesota pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

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Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

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Understanding FHA Loan Limits in Minnesota

FHA loan limits in Minnesota vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Minnesota's single-family FHA limits range from $541,287 to $552,000.

The variation in limits reflects differences in median home prices across Minnesota's counties. 13 counties are designated as high-cost areas with limits above the national floor of $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.