In 2025, the FHA loan limit for Independence county in Hennepin, MN is $515,200 for single-family homes. For two-unit properties, it's $659,550; for three units, the threshold is $797,250; and for four-unit homes, it reaches $990,800. These limits guide buyers planning their FHA financing options.
Regarding conventional loans, the single-family residence cap is $726,200. For duplexes, it is $929,850; for triplexes, the limit is $1,123,900; and for four-unit properties, the maximum reaches $1,396,800. Understanding these limits is vital for shaping effective loan strategies.
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The Lendersa® calculator allows you to compare FHA loan rates and terms with those of other programs including conventional loans, jumbo, VA, USDA, Non-QM, and hard money loans. This helps you evaluate which options best fit your profile.
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Consult the Loan Limits Comparison Table for 2025 in Independence, which covers maximum amounts for FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate the qualification needs such as income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $515,200 | $659,550 | $797,250 | $990,800 |
| 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 | $0 | $0 | $0 | $0 |
| 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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