FHA VS Conventional loan programs in 2026 for Minneapolis, Hennepin County, Minnesota

In 2026, the conventional loan limit in Minneapolis, within Hennepin county, MN, is $726,200, while the FHA limit for a single-family home is set at $515,200.

Utilize Lendersa®'s Conventional loan calculator to compare today's best rates among Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator shows side-by-side views of Conforming Conventional loans, USDA, FHA, and VA, helping you choose the best program in MN for your unique financial situation.

Compare loan offers from 100 lenders

2026 Loan Limits and Downpayment Requirements in Minneapolis, Hennepin, MN

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $0 0%
FHA $515,200 3.5%

This table applies to these zip codes: 55403

Conventional and FHA Loan Options in Minneapolis, MN

The aim of Lendersa® is to provide you with the best possible Conventional, USDA, or FHA loan quickly and effortlessly. Choose one of three starting pathways to connect with matching lenders and suitable loan programs.

Review Lendersa USDA loan requests and results


  • Mortgage Box
  • 9435 West Russell Road, Suite 110, Las Vegas, NV, 89148
  • We are a Nevada-based mortgage company passionate about funding your dreams.We've spent more than a decade serving Nevada homeowners and real estate professionals. We work every day to wow our clients by creating the ultimate homebuying experience. Because we are a mortgage broker, we are able to shop multiple lenders.

  • Blackmon Home Loans
  • 8880 W. Sunset Rd., Suite 190, Las Vegas, NV, 89148
  • Blackmon Home Loans offers three decades of experience in the home mortgage business. We understand the local home buying process and what residents of Southern Nevada can expect when trying to purchase or refinance a home. We can help you buy a new house or refinance your mortage in Las Vegas.

  • Kelley Financial Solutions
  • 1015 State Road 436, Suite 24, Casselberry, FL, 32707
  • The experience learned closing over 1000 mortgage loans we represent your best interests and will custom tailor your loan to meet all your financial goals. We work on the wholesale side with access to all the rates and programs. We use a simple online paperless process and close quickly.

  • Lisa Fleck
  • 1980 Festival Plaza Drive, Suite 330, Las Vegas, NV, 89135
  • Lisa Fleck, Producing Branch Manager and Certified Divorce Lending Professional, has been in the mortgage business for over 20 years. She has been a nationally ranked top 1% loan originator for the past 6 years, and helps over 120 families annually with all facets of residential real estate financing.

  • SimpliFi Mortgage LLC
  • 10100 West Charleston Boulevard, Suite 100, Las Vegas, NV, 89135
  • Our mission is to make the mortgage approval process as painless as possible. Finding the right home is stressful enough, the financing shouldn’t be! We’ve streamlined the mortgage application process so you can submit all the required documentation without the hassle. Our convenient online application generates an instant pre-approval.

  • All Florida Home Loans
  • 17717 Hunting Bow Circle, Suite 101, Lutz, FL, 33558
  • "All Florida Home Loans offers a wide range of mortgage options to meet your financial needs.
    Whether you’re a first-time home buyer, a seasoned investor, interested in cashing out equity,
    or venturing into a commercial property, we're here to guide you all the way - drama free."

  • Innovative Mortgage Services
  • 17717 Hunting Bow Cir #101, Lutz, FL, 33558
  • Innovative Mortgage our goal is to offer you unparalleled service and extremely competitive Florida mortgage rates in minutes. Our wide selection of loan products help us provide the perfect mortgage to fit for your specific Florida home buying or refinance needs. Our mission is to serve our customers with honesty, integrity and competence.

  • American Fidelity
  • American Fidelity, Lutz, FL, 33558
  • At American Fidelity, we offer exceptional home loans options, large and small business loans, HARP programs and private lending.We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

  • CapSource
  • 555 Winderley Place, Suite 300, Maitland, FL, 32751
  • CapSource is a full-service commercial mortgage broker tailored to provide capital resources, investment properties, and full-time real estate coaching to both seasoned and new investors. Our services ensure that our clientele receive industry leading rates and terms customized to your real estate investment needs.

  • Neal Communities Funding
  • 495 N Keller Road, Suite 550B, Maitland, FL, 32751
  • Let Neal Communities Funding, LLC assist you with your dreams of new home ownership with knowledgeable customer service, too.

    A Loan Consultant will work to pre-qualify you before your purchase agreement to ensure you are comfortable with your personal financing scenario.

    We have a vast variety of program options available

  • Main Street Mortgage Funding, LLC
  • 529 Versailles Drive, Suite 101, Maitland, FL, 32751
  • At Main Street Mortgage Funding, LLC, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available

  • Mattamy Home Funding
  • 495 North Keller Road, Suite 550A, Maitland, FL, 32751
  • At Mattamy Home Funding, we believe home buyers deserve the best financing available. We have helped thousands of home buyers finance their homes in communities throughout the United States. Our mortgage team includes highly motivated and talented individuals. Every employee plays an important role in making a homeowner's financing