For 2026, FHA loan limits in Melrose county, Stearns, MN are: $472,030 for a single-family home, $604,400 for two units, $730,525 for three-unit buildings, and $907,900 for four units.
The maximum for conventional loans is $726,200 for a single family, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to explore today’s best FHA rates, and determine downpayment, income, credit, and reserves needed to qualify.
Compare FHA rates and terms with those of other loans like conventional, jumbo, VA, USDA, Non-QM, and hard money using Lendersa®.
Lendersa® compiles data from numerous lenders and aligns it with your profile for precise comparisons.
The Loan Limits Comparison for 2026 in Melrose, Stearns, MN displays the max loan amounts for FHA, conventional, jumbo, USDA, VA, Non-QM, super jumbo, and hard money. Use Lendersa® SLIQ™ for qualification checks.
| 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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