In 2026, under FHA guidelines, the loan limits in Lonsdale county, part of Rice, MN, are set as follows: $472,030 for individual family homes, $604,400 for two-unit properties, $730,525 for three-unit buildings, and $907,900 for four-unit dwellings. These limits are essential for prospective homeowners planning their financing strategies.
For conventional loans, the maximum amounts are $726,200 for single-family residences, $929,850 for homes with two units, $1,123,900 for three units, and $1,396,800 for four-unit homes. Knowing these numbers is vital for structuring loan applications.
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Utilize the Lendersa® calculator to compare FHA rates and terms with other loan programs such as conventional, jumbo, VA, USDA, Non-QM, and hard money loans. This tool provides a comprehensive analysis to understand different financial options.
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Consult the Loan Limits Comparison Table for 2026 in Lonsdale county of Rice, MN, featuring maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. For detailed comparisons of necessary qualifications like income, reserves, and credit, use 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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