As of 2026, in the county of Stearns, Melrose, MN, the limit for a Conventional loan stands at $726,200, whereas the FHA limit is $472,030 for solo-family residences.
Click here to utilize the Lendersa® Conventional loan calculator, enabling you to compare today's rates for Conventional, FHA, and USDA loans. This tool will help gauge income, credit requirements, reserves, and document needs for qualification. Leverage our sophisticated mortgage calculator to observe comparisons of Conforming Conventional loans alongside USDA, FHA, and VA alternatives to choose the most suitable program for your financial scenario in MN.
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| Loan Type | Loan Limit | Down payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
Note: These limits apply to zip codes: 56352
The mission of Lendersa® is to secure you the optimal loan—whether Conventional, USDA, or FHA—promptly and with minimal fuss. Choose from three initial steps that guide you to the right lenders and loan plans:
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