FHA VS Conventional loan programs in 2026 for Grand-Forks, Grand Forks County, North Dakota

For 2026, the conventional loan ceiling in Grand-Forks, situated in the county of Grand Forks, ND is $647,200. Meanwhile, the FHA cap for a single-family dwelling stands at $420,680.

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The Lendersa® Conventional loan calculator is a tool to compare top rates today among Conventional, FHA, and USDA loans. Evaluate the income, credit score, reserves, and documentation that qualify you. Our modern mortgage calculator showcases Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the right program in ND for your finances.

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Loan limits and down payment details for 2026 in Grand-Forks, Grand Forks county, ND

Loan Type Loan Limit Down Payment
Conforming Conventional $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison is valid for the following zip codes: 58202

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Grand-Forks Lenders


  • University Federal Credit Union
  • 1575 17th Avenue South, Grand Forks, ND, 58201
  • Lends in North Dakota

  • University Federal Credit Union’s mission is to serve the financial needs of our members by being strong and secure.

    Since 1937 University Federal Credit Union has grown to meet the needs of our members by providing quality, not-for-profit financial services at reasonable rates.

  • MED PARK CREDIT UNION
  • 1200 South Columbia Road, Grand Forks, ND, 58201
  • Lends in North Dakota

  • The Med Park Credit Union exists as a stable financial organization. It provides members services that will encourage them to accumulate savings, provide them a source of credit and to help educate them that they can attain their optimal level of financial security and independence.

  • Area Community Credit Union
  • 2800 South Washington Street, Grand Forks, ND, 58201
  • Lends in North Dakota

  • The Area Community Credit Union has a rich heritage in the Greater Grand Forks area. We started as a Federally Charted Credit Union in 1958. We converted to a State Charted in December, 1964 with approximately $52, 000 in assets. Initially, we were a Credit Union solely for the Grand Forks Public School employees.

  • Alerus Financial
  • 401 Demers Ave, Grand Forks, ND, 58201
  • Lends in North Dakota

  • With roots tracing back to 1879, Alerus is a diversified financial services company with approximately $31.5 billion in assets under administration/management. We provide business and consumer banking products and services, residential mortgage financing, employer-sponsored retirement plans and wealth management services.

  • First State Bank & Trust Company
  • 612 Broadway, Thompson, ND, 58278
  • Lends in North Dakota

  • Officially known as First State Bank since 1938, our five locations in Buxton, Grand Forks, Mayville, Portland and Thompson are centrally located in the heart of North Dakota’s legendary Red River Valley. Known for our commitment to the communities we serve, our respected business, agricultural and mortgage lenders

  • Bank Forward
  • 128 Main St, Hannaford, ND, 58448
  • Lends in North Dakota

  • We got our start as a small business, a small bank in a small town, way back in 1927. Through 4 generations, we've provided banking and insurance services to the communities where we live and work. Our founder, A.C. Brown, always said, “Take care of the customer.” It’s a promise we intend to stick to. and our mission We believe in the commitment to
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