For 2026, FHA loan limits in Spirit-Lake county, Dickinson, IA, are $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
Conventional loan limits for a single-family residence are $548,250, increasing to $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 for four-unit properties.
Use our FHA calculator to check today’s best rates and determine the needed downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator allows you to compare FHA rates with those of other loan programs. Look into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® gathers data from thousands of lenders, quickly comparing it to your financial needs.
The Loan Limits Comparison Table for 2026 in Spirit-Lake county, Dickinson, IA offers maximum loan comparisons: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Use Lendersa® SLIQ™ for qualifications like income and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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