In 2026, the FHA loan limit for Fergus-Falls county of Otter Tail, MN is $356,362 for a single-family home, $456,275 for two-unit properties, $551,500 for three-unit buildings, and $685,400 for four-unit dwellings.
The upper limits for conventional loans on single-family residences are $548,250, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Utilize our FHA calculator to check on today’s best FHA rates and figure out the necessary downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator assists you in comparing FHA rates and terms with all other loan programs. Examine and compare options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® pulls loan program details from numerous lenders and quickly juxtaposes them with your unique financial profile and requirements.
For 2026 in Fergus-Falls, within Otter Tail, MN, the Loan Limits Comparison Table showcases FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan ceilings. To assess eligibility parameters like income, reserves, and credit, apply 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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