For 2026, the FHA loan limits in Cold-Spring county, part of Stearns, MN, are outlined as follows: $356,362 for single-family homes, $456,275 for properties with two units, $551,500 for three-unit configurations, and $685,400 for four-unit properties. These limits help guide potential buyers in their financial planning and mortgage applications.
The maximum loan amount for conventional loans on a single-family home is $548,250. For homes with two units, the cap is $702,000; for those with three units, it's $848,500; and for four-unit structures, the maximum is set at $1,054,500. Knowing these details informs loan strategy and application processes.
Use our FHA calculator to access up-to-date FHA rates, determining required down payments, income levels, credit scores, reserves, and documents necessary for loan qualification.
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The Lendersa® calculator allows you to compare FHA loan rates and terms against those of other programs such as conventional, jumbo, VA, USDA, Non-QM, and hard money loans. This detailed comparison offers insights into how different loan types measure up to each other, helping you find the best fit.
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Check out the Loan Limits Comparison Table for 2026 in Cold-Spring county, Stearns, MN, which offers maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To examine qualification criteria such as income, reserves, and credit requirements, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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