In 2026, 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.
Utilize our FHA calculator to access today's best FHA rates and determine essentials such as downpayment, income requirements, credit, reserves, and documents required to qualify.
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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 2026 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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