FHA VS Conventional loan in Apple-Valley, Dakota County, Minnesota
As of 2026, the loan limit for a conventional mortgage in the county of Dakota, located in Apple-Valley, MN, is $647,200. In contrast, the FHA limit for a single-family home is $448,500.
Utilize the Lendersa® Conventional loan calculator to weigh the best current rates between Conventional, FHA, and USDA loans. Determine what financials like income, credit score, reserves, and documentation are needed to qualify. Our detailed mortgage calculator lets you compare Conventional conforming, USDA, FHA, and VA loans side by side, assisting you in selecting the most suitable program for your financial scenario in MN.
2026 Loan Limits and Down Payment Requirements in Apple-Valley, Dakota, MN
Loan Type
Loan Limit
Down payment
Conventional Conforming
$647,200
3%
USDA
$322,000
0%
FHA
$448,500
3.5%
The table above applies to the following zip codes: 55124
Explore Conventional and FHA Loan Options in Apple-Valley, MN
At Lendersa®, our goal is to quickly provide you with the most favorable Conventional, USDA, or FHA loan minus any complications. Start by choosing one of the three paths that align you with matching lenders and loan programs.
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Rapid Response Mortgage With a fixed rate mortgage, payments for the interest rate and the principal remain fixed over the life of the loan. As a result, monthly loan payments stay the same over the life of the loan. Taxes, however, may change according to your local or state tax laws
