Minnesota 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Minnesota

Minnesota has 87 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Aitkin County to a high of $862,500 for a 4-bedroom unit in Anoka County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Minnesota's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($809,150)
Highest Loan Limit ($862,500)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Minnesota (87 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Aitkin County $420,680 $809,150 view details »
Anoka County $448,500 $862,500 view details »
Becker County $420,680 $809,150 view details »
Beltrami County $420,680 $809,150 view details »
Benton County $420,680 $809,150 view details »
Big Stone County $420,680 $809,150 view details »
Blue Earth County $420,680 $809,150 view details »
Brown County $420,680 $809,150 view details »
Carlton County $420,680 $809,150 view details »
Carver County $448,500 $862,500 view details »
Cass County $420,680 $809,150 view details »
Chippewa County $420,680 $809,150 view details »
Chisago County $448,500 $862,500 view details »
Clay County $420,680 $809,150 view details »
Clearwater County $420,680 $809,150 view details »
Cook County $420,680 $809,150 view details »
Cottonwood County $420,680 $809,150 view details »
Crow Wing County $420,680 $809,150 view details »
Dakota County $448,500 $862,500 view details »
Dodge County $420,680 $809,150 view details »
Douglas County $420,680 $809,150 view details »
Faribault County $420,680 $809,150 view details »
Fillmore County $420,680 $809,150 view details »
Freeborn County $420,680 $809,150 view details »
Goodhue County $420,680 $809,150 view details »
Grant County $420,680 $809,150 view details »
Hennepin County $448,500 $862,500 view details »
Houston County $420,680 $809,150 view details »
Hubbard County $420,680 $809,150 view details »
Isanti County $448,500 $862,500 view details »
Itasca County $420,680 $809,150 view details »
Jackson County $420,680 $809,150 view details »
Kanabec County $420,680 $809,150 view details »
Kandiyohi County $420,680 $809,150 view details »
Kittson County $420,680 $809,150 view details »
Koochiching County $420,680 $809,150 view details »
Lac Qui Parle County $420,680 $809,150 view details »
Lake County $420,680 $809,150 view details »
Lake Of The Woods County $420,680 $809,150 view details »
Le Sueur County $448,500 $862,500 view details »
Lincoln County $420,680 $809,150 view details »
Lyon County $420,680 $809,150 view details »
Mcleod County $420,680 $809,150 view details »
Mahnomen County $420,680 $809,150 view details »
Marshall County $420,680 $809,150 view details »
Martin County $420,680 $809,150 view details »
Meeker County $420,680 $809,150 view details »
Mille Lacs County $448,500 $862,500 view details »
Morrison County $420,680 $809,150 view details »
Mower County $420,680 $809,150 view details »
Murray County $420,680 $809,150 view details »
Nicollet County $420,680 $809,150 view details »
Nobles County $420,680 $809,150 view details »
Norman County $420,680 $809,150 view details »
Olmsted County $420,680 $809,150 view details »
Otter Tail County $420,680 $809,150 view details »
Pennington County $420,680 $809,150 view details »
Pine County $420,680 $809,150 view details »
Pipestone County $420,680 $809,150 view details »
Polk County $420,680 $809,150 view details »
Pope County $420,680 $809,150 view details »
Ramsey County $448,500 $862,500 view details »
Red Lake County $420,680 $809,150 view details »
Redwood County $420,680 $809,150 view details »
Renville County $420,680 $809,150 view details »
Rice County $420,680 $809,150 view details »
Rock County $420,680 $809,150 view details »
Roseau County $420,680 $809,150 view details »
St. Louis County $420,680 $809,150 view details »
Scott County $448,500 $862,500 view details »
Sherburne County $448,500 $862,500 view details »
Sibley County $420,680 $809,150 view details »
Stearns County $420,680 $809,150 view details »
Steele County $420,680 $809,150 view details »
Stevens County $420,680 $809,150 view details »
Swift County $420,680 $809,150 view details »
Todd County $420,680 $809,150 view details »
Traverse County $420,680 $809,150 view details »
Wabasha County $420,680 $809,150 view details »
Wadena County $420,680 $809,150 view details »
Waseca County $420,680 $809,150 view details »
Washington County $448,500 $862,500 view details »
Watonwan County $420,680 $809,150 view details »
Wilkin County $420,680 $809,150 view details »
Winona County $420,680 $809,150 view details »
Wright County $448,500 $862,500 view details »
Yellow Medicine County $420,680 $809,150 view details »

How to qualify for an FHA Loan in Minnesota?

To qualify for an FHA loan in Minnesota, your home loan must be below the local FHA loan limits in your area. For 2022, the maximum loan limit in Minnesota is $420,680 for a single-family home and $862,500 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Minnesota. Additional restricts apply. Click on the Minnesota map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/minnesota