For the year 2026, in Chisholm county, which is part of St. Louis, MN, the FHA loan limits are as follows: $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for three units, and $907,900 for four-unit homes. These limits are essential guidelines for potential buyers mapping their financial plans.
Regarding conventional loan amounts, the limits set for single-family residences are $726,200, for two-unit homes they're $929,850, for buildings with three units the limit is $1,123,900, and for four units it's $1,396,800. Being aware of these limits is crucial for organizing and planning your mortgage applications effectively.
Use our FHA calculator to find today’s best FHA rates and to ascertain necessary aspects like downpayment, income requirements, credit, reserves, and necessary documents for qualifying.
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The Lendersa® calculator facilitates comparison of FHA loan terms and rates with various other loan options such as conventional, jumbo, VA, USDA, Non-QM, and hard money loans. This tool offers you comprehensive insights into how these loans rate in comparison to each other.
Lendersa® gathers comprehensive data from thousands of lenders and, in mere seconds, aligns this data with your particular financial profile, delivering tailored loan comparisons that suit your unique needs.
The Loan Limits Comparison Table for 2026 in Chisholm county, St. Louis, MN offers a detailed comparison including FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money maximum loan amounts. To evaluate qualification requirements such as income, reserves, and credit, apply the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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