For 2025, 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.
Explore loan offers from 100 lenders to find the most suitable financial match.
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.
Lendersa® efficiently compiles loan data from a wide network of lenders and quickly matches it against your unique financial profile to provide personalized insights.
Check out the Loan Limits Comparison Table for 2025 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 |
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
