As of 2026, the FHA loan limits for Milaca county, within Mille Lacs, MN, are defined as follows: $515,200 for a single-family residence, $659,550 for properties with two units, $797,250 for homes with three units, and $990,800 for four-unit structures.
On the conventional loans side, the maximum amount for a single-family house is $726,200. Two-unit homes can secure up to $929,850, while three-unit properties can obtain $1,123,900, and those with four units have a maximum loan limit of $1,396,800.
Use our FHA calculator to find today's most competitive FHA rates and determine necessary down payments, income requirements, credit evaluations, reserves, and documentation needed for qualification.
The Lendersa® calculator allows you to assess FHA rates and terms in comparison with those of various other loan programs. Evaluate and compare different loan types including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA terms.
Lendersa® accesses vast data from thousands of lenders, providing quick and tailored comparisons that align with your unique financial profile and needs.
In 2026, the Loan Limits Comparison Table for Milaca county of Mille Lacs, MN, offers a detailed view of maximum loan amounts available across different types: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a detailed analysis of qualification criteria 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 | $358,800 | $358,800 | $358,800 | $358,800 |
| 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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