For the year 2026, the FHA loan limits in Albert-Lea county, Freeborn, MN, are as follows: $356,362 for a single-family home, $456,275 for properties with two units, $551,500 for three-unit dwellings, and $685,400 for four-unit properties.
Regarding conventional loans, the maximum amount for a single-family residence is $548,250. For two-unit properties, it's $702,000, reaching $848,500 for three units, and $1,054,500 for four-unit buildings.
Our FHA calculator can help you check today's competitive FHA rates and calculate the necessary down payment, income requirements, credit scores, reserves, and documentation needed for qualification.
The Lendersa® calculator lets you compare the rates and terms of FHA loans with various other loan types. You can examine Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, among others.
Lendersa® consolidates loan program data from numerous lenders, quickly matching it with your personal financial needs and profile.
For 2026 in Albert-Lea county, Freeborn, MN, view the Loan Limits Comparison Table to see maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage, and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification requirements such as income, reserves, and credit scores.
| 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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