North Dakota 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in North Dakota

North Dakota has 53 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Adams County to a high of $1,008,300 for a 4-bedroom unit in Adams County.

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

Lowest Loan Limit ($1,008,300) †

Highest Loan Limit ($1,008,300)

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

Loan Limits by County in North Dakota (53 counties)

County	Single Unit Limit (lowest)	Four-Plex Limit (highest)
Adams County	$524,225	$1,008,300	view details »
Barnes County	$524,225	$1,008,300	view details »
Benson County	$524,225	$1,008,300	view details »
Billings County	$524,225	$1,008,300	view details »
Bottineau County	$524,225	$1,008,300	view details »
Bowman County	$524,225	$1,008,300	view details »
Burke County	$524,225	$1,008,300	view details »
Burleigh County	$524,225	$1,008,300	view details »
Cass County	$524,225	$1,008,300	view details »
Cavalier County	$524,225	$1,008,300	view details »
Dickey County	$524,225	$1,008,300	view details »
Divide County	$524,225	$1,008,300	view details »
Dunn County	$524,225	$1,008,300	view details »
Eddy County	$524,225	$1,008,300	view details »
Emmons County	$524,225	$1,008,300	view details »
Foster County	$524,225	$1,008,300	view details »
Golden Valley County	$524,225	$1,008,300	view details »
Grand Forks County	$524,225	$1,008,300	view details »
Grant County	$524,225	$1,008,300	view details »
Griggs County	$524,225	$1,008,300	view details »
Hettinger County	$524,225	$1,008,300	view details »
Kidder County	$524,225	$1,008,300	view details »
Lamoure County	$524,225	$1,008,300	view details »
Logan County	$524,225	$1,008,300	view details »
Mchenry County	$524,225	$1,008,300	view details »
Mcintosh County	$524,225	$1,008,300	view details »
Mckenzie County	$524,225	$1,008,300	view details »
Mclean County	$524,225	$1,008,300	view details »
Mercer County	$524,225	$1,008,300	view details »
Morton County	$524,225	$1,008,300	view details »
Mountrail County	$524,225	$1,008,300	view details »
Nelson County	$524,225	$1,008,300	view details »
Oliver County	$524,225	$1,008,300	view details »
Pembina County	$524,225	$1,008,300	view details »
Pierce County	$524,225	$1,008,300	view details »
Ramsey County	$524,225	$1,008,300	view details »
Ransom County	$524,225	$1,008,300	view details »
Renville County	$524,225	$1,008,300	view details »
Richland County	$524,225	$1,008,300	view details »
Rolette County	$524,225	$1,008,300	view details »
Sargent County	$524,225	$1,008,300	view details »
Sheridan County	$524,225	$1,008,300	view details »
Sioux County	$524,225	$1,008,300	view details »
Slope County	$524,225	$1,008,300	view details »
Stark County	$524,225	$1,008,300	view details »
Steele County	$524,225	$1,008,300	view details »
Stutsman County	$524,225	$1,008,300	view details »
Towner County	$524,225	$1,008,300	view details »
Traill County	$524,225	$1,008,300	view details »
Walsh County	$524,225	$1,008,300	view details »
Ward County	$524,225	$1,008,300	view details »
Wells County	$524,225	$1,008,300	view details »
Williams County	$524,225	$1,008,300	view details »

How to qualify for an FHA Loan in North Dakota?

To qualify for an FHA loan in North Dakota, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in North Dakota is $524,225 for a single-family home and $1,008,300 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 North Dakota. Additional restricts apply. Click on the North Dakota map above or the table below to see loan limits in your area.

North Dakota 2025 FHA Loan Limits

Loan Limits in North Dakota

Loan Limits by County in North Dakota (53 counties)

How to qualify for an FHA Loan in North Dakota?

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