In the year 2026, the FHA loan limits for properties in Duluth county, situated in St. Louis, MN, are set as follows: $472,030 for single-family homes. For duplexes, the limit increases to $604,400, and for triplexes, it is $730,525. For those considering four-unit properties, the loan ceiling is $907,900. These limits are essential for understanding borrowing capacity under FHA guidelines.
Regarding conventional loans on single-family residences, the limit is $726,200. For two-unit homes, the cap is $929,850, advancing to $1,123,900 for three-unit structures, and culminating at $1,396,800 for four-unit buildings. These figures need careful consideration during the loan application process.
Utilize our FHA calculator to discover today’s most favorable FHA rates. This tool also assists you in determining the required downpayment, assessing how your income, credit score, reserves, and necessary paperwork meet qualification standards.
Compare loan offers from over 100 lenders, ensuring you have access to a broad array of financing options tailored to your individual financial situation.
The Lendersa® calculator empowers you to compare FHA loan rates and terms alongside numerous other loan programs. You have the opportunity to explore and evaluate options such as Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM loans, and hard money loans, each providing unique benefits depending on your needs.
By accessing data from a vast array of lenders, Lendersa® facilitates a comprehensive comparison against your specific financial profile and requirements, delivering results swiftly to aid informed decision-making.
The Loan Limits Comparison Table for 2026 in Duluth county, St. Louis, MN highlights maximum allowable amounts across various loan categories, including FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria like income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) offers detailed insights and guidance.
| 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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