Minnesota 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Minnesota

Minnesota has 87 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Aitkin County to a high of $1,017,300 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 ($1,008,300)
Highest Loan Limit ($1,017,300)

† 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 $524,225 $1,008,300 view details »
Anoka County $529,000 $1,017,300 view details »
Becker County $524,225 $1,008,300 view details »
Beltrami County $524,225 $1,008,300 view details »
Benton County $524,225 $1,008,300 view details »
Big Stone County $524,225 $1,008,300 view details »
Blue Earth County $524,225 $1,008,300 view details »
Brown County $524,225 $1,008,300 view details »
Carlton County $524,225 $1,008,300 view details »
Carver County $529,000 $1,017,300 view details »
Cass County $524,225 $1,008,300 view details »
Chippewa County $524,225 $1,008,300 view details »
Chisago County $529,000 $1,017,300 view details »
Clay County $524,225 $1,008,300 view details »
Clearwater County $524,225 $1,008,300 view details »
Cook County $524,225 $1,008,300 view details »
Cottonwood County $524,225 $1,008,300 view details »
Crow Wing County $524,225 $1,008,300 view details »
Dakota County $529,000 $1,017,300 view details »
Dodge County $524,225 $1,008,300 view details »
Douglas County $524,225 $1,008,300 view details »
Faribault County $524,225 $1,008,300 view details »
Fillmore County $524,225 $1,008,300 view details »
Freeborn County $524,225 $1,008,300 view details »
Goodhue County $524,225 $1,008,300 view details »
Grant County $524,225 $1,008,300 view details »
Hennepin County $529,000 $1,017,300 view details »
Houston County $524,225 $1,008,300 view details »
Hubbard County $524,225 $1,008,300 view details »
Isanti County $529,000 $1,017,300 view details »
Itasca County $524,225 $1,008,300 view details »
Jackson County $524,225 $1,008,300 view details »
Kanabec County $524,225 $1,008,300 view details »
Kandiyohi County $524,225 $1,008,300 view details »
Kittson County $524,225 $1,008,300 view details »
Koochiching County $524,225 $1,008,300 view details »
Lac Qui Parle County $524,225 $1,008,300 view details »
Lake County $524,225 $1,008,300 view details »
Lake Of The Woods County $524,225 $1,008,300 view details »
Le Sueur County $529,000 $1,017,300 view details »
Lincoln County $524,225 $1,008,300 view details »
Lyon County $524,225 $1,008,300 view details »
Mcleod County $524,225 $1,008,300 view details »
Mahnomen County $524,225 $1,008,300 view details »
Marshall County $524,225 $1,008,300 view details »
Martin County $524,225 $1,008,300 view details »
Meeker County $524,225 $1,008,300 view details »
Mille Lacs County $529,000 $1,017,300 view details »
Morrison County $524,225 $1,008,300 view details »
Mower County $524,225 $1,008,300 view details »
Murray County $524,225 $1,008,300 view details »
Nicollet County $524,225 $1,008,300 view details »
Nobles County $524,225 $1,008,300 view details »
Norman County $524,225 $1,008,300 view details »
Olmsted County $524,225 $1,008,300 view details »
Otter Tail County $524,225 $1,008,300 view details »
Pennington County $524,225 $1,008,300 view details »
Pine County $524,225 $1,008,300 view details »
Pipestone County $524,225 $1,008,300 view details »
Polk County $524,225 $1,008,300 view details »
Pope County $524,225 $1,008,300 view details »
Ramsey County $529,000 $1,017,300 view details »
Red Lake County $524,225 $1,008,300 view details »
Redwood County $524,225 $1,008,300 view details »
Renville County $524,225 $1,008,300 view details »
Rice County $524,225 $1,008,300 view details »
Rock County $524,225 $1,008,300 view details »
Roseau County $524,225 $1,008,300 view details »
St. Louis County $524,225 $1,008,300 view details »
Scott County $529,000 $1,017,300 view details »
Sherburne County $529,000 $1,017,300 view details »
Sibley County $524,225 $1,008,300 view details »
Stearns County $524,225 $1,008,300 view details »
Steele County $524,225 $1,008,300 view details »
Stevens County $524,225 $1,008,300 view details »
Swift County $524,225 $1,008,300 view details »
Todd County $524,225 $1,008,300 view details »
Traverse County $524,225 $1,008,300 view details »
Wabasha County $524,225 $1,008,300 view details »
Wadena County $524,225 $1,008,300 view details »
Waseca County $524,225 $1,008,300 view details »
Washington County $529,000 $1,017,300 view details »
Watonwan County $524,225 $1,008,300 view details »
Wilkin County $524,225 $1,008,300 view details »
Winona County $524,225 $1,008,300 view details »
Wright County $529,000 $1,017,300 view details »
Yellow Medicine County $524,225 $1,008,300 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 2025, the maximum loan limit in Minnesota is $524,225 for a single-family home and $1,017,300 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