In the year 2026, the FHA loan limit for Dilworth county within Clay, MN, stands at $472,030 for a single-family home. The limit is $604,400 for two-unit buildings, $730,525 for three-unit residences, and $907,900 for four-unit properties. These limits are crucial for guiding prospective buyers in structuring their financing plans.
For conventional loans, the maximum borrowing amount for a single-family dwelling is $726,200. For duplexes, the maximum is $929,850, while for triplexes it's $1,123,900, and four-unit buildings have a cap of $1,396,800. Awareness of these limits aids borrowers in planning their funding strategies.
Use our FHA calculator to uncover today's competitive FHA rates, and to calculate necessary details like downpayment, income thresholds, credit standings, reserves, and required documents crucial for qualifying.
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The Lendersa® calculator offers a platform to compare FHA loan conditions and rates with those of other loan programs such as conventional, jumbo, VA, USDA, Non-QM, and hard money loans. This comprehensive comparison provides insightful analysis of available financing options.
Lendersa® gathers extensive loan program data from thousands of lenders, enabling speedy evaluation that aligns with your specific financial profile, delivering personalized insights.
Refer to the Loan Limits Comparison Table for 2026 within Dilworth county of Clay, MN, which allows for the comparison of maximum amounts among FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To further explore qualification criteria such as income, reserves, and credit, utilize 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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