Minnesota 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Minnesota

Minnesota has 87 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Aitkin County to a high of $774,050 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 ($685,400)
Highest Loan Limit ($774,050)

† 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 $356,362 $685,400 view details »
Anoka County $402,500 $774,050 view details »
Becker County $356,362 $685,400 view details »
Beltrami County $356,362 $685,400 view details »
Benton County $356,362 $685,400 view details »
Big Stone County $356,362 $685,400 view details »
Blue Earth County $356,362 $685,400 view details »
Brown County $356,362 $685,400 view details »
Carlton County $356,362 $685,400 view details »
Carver County $402,500 $774,050 view details »
Cass County $356,362 $685,400 view details »
Chippewa County $356,362 $685,400 view details »
Chisago County $402,500 $774,050 view details »
Clay County $356,362 $685,400 view details »
Clearwater County $356,362 $685,400 view details »
Cook County $356,362 $685,400 view details »
Cottonwood County $356,362 $685,400 view details »
Crow Wing County $356,362 $685,400 view details »
Dakota County $402,500 $774,050 view details »
Dodge County $356,362 $685,400 view details »
Douglas County $356,362 $685,400 view details »
Faribault County $356,362 $685,400 view details »
Fillmore County $356,362 $685,400 view details »
Freeborn County $356,362 $685,400 view details »
Goodhue County $356,362 $685,400 view details »
Grant County $356,362 $685,400 view details »
Hennepin County $402,500 $774,050 view details »
Houston County $356,362 $685,400 view details »
Hubbard County $356,362 $685,400 view details »
Isanti County $402,500 $774,050 view details »
Itasca County $356,362 $685,400 view details »
Jackson County $356,362 $685,400 view details »
Kanabec County $356,362 $685,400 view details »
Kandiyohi County $356,362 $685,400 view details »
Kittson County $356,362 $685,400 view details »
Koochiching County $356,362 $685,400 view details »
Lac Qui Parle County $356,362 $685,400 view details »
Lake County $356,362 $685,400 view details »
Lake Of The Woods County $356,362 $685,400 view details »
Le Sueur County $402,500 $774,050 view details »
Lincoln County $356,362 $685,400 view details »
Lyon County $356,362 $685,400 view details »
Mcleod County $356,362 $685,400 view details »
Mahnomen County $356,362 $685,400 view details »
Marshall County $356,362 $685,400 view details »
Martin County $356,362 $685,400 view details »
Meeker County $356,362 $685,400 view details »
Mille Lacs County $402,500 $774,050 view details »
Morrison County $356,362 $685,400 view details »
Mower County $356,362 $685,400 view details »
Murray County $356,362 $685,400 view details »
Nicollet County $356,362 $685,400 view details »
Nobles County $356,362 $685,400 view details »
Norman County $356,362 $685,400 view details »
Olmsted County $356,362 $685,400 view details »
Otter Tail County $356,362 $685,400 view details »
Pennington County $356,362 $685,400 view details »
Pine County $356,362 $685,400 view details »
Pipestone County $356,362 $685,400 view details »
Polk County $356,362 $685,400 view details »
Pope County $356,362 $685,400 view details »
Ramsey County $402,500 $774,050 view details »
Red Lake County $356,362 $685,400 view details »
Redwood County $356,362 $685,400 view details »
Renville County $356,362 $685,400 view details »
Rice County $356,362 $685,400 view details »
Rock County $356,362 $685,400 view details »
Roseau County $356,362 $685,400 view details »
St. Louis County $356,362 $685,400 view details »
Scott County $402,500 $774,050 view details »
Sherburne County $402,500 $774,050 view details »
Sibley County $356,362 $685,400 view details »
Stearns County $356,362 $685,400 view details »
Steele County $356,362 $685,400 view details »
Stevens County $356,362 $685,400 view details »
Swift County $356,362 $685,400 view details »
Todd County $356,362 $685,400 view details »
Traverse County $356,362 $685,400 view details »
Wabasha County $356,362 $685,400 view details »
Wadena County $356,362 $685,400 view details »
Waseca County $356,362 $685,400 view details »
Washington County $402,500 $774,050 view details »
Watonwan County $356,362 $685,400 view details »
Wilkin County $356,362 $685,400 view details »
Winona County $356,362 $685,400 view details »
Wright County $402,500 $774,050 view details »
Yellow Medicine County $356,362 $685,400 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 2021, the maximum loan limit in Minnesota is $356,362 for a single-family home and $774,050 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