For the year 2026, the FHA loan limit in Oak-Park-Heights county, part of Washington, MN, is established at $402,500 for a single-family home. For properties with two units, the cap is $515,250; for three units, it's $622,850; and for four-unit homes, the limit is $774,050. These defined limits help potential buyers in mapping out feasible financial plans for homeownership.
On the other hand, the maximum amount you can borrow for conventional loans in a single-family residence is $548,250. For duplexes, the limit is $702,000; for triplexes, it rises to $848,500; and for four-unit residences, the borrowing threshold is $1,054,500. Understanding these figures is crucial for strategizing loan applications accordingly.
Take advantage of our FHA calculator to check today's favorable FHA rates. This tool helps compute necessary variables like downpayments, required income levels, credit standards, reserves, and documentations needed to secure qualification.
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The Lendersa® calculator enables the assessment of FHA loan rates and terms against other lending options, including conventional, jumbo, VA, USDA, Non-QM, and hard money loans. This comparison offers a comprehensive perspective on available financing choices.
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For the current year 2026, consult the Loan Limits Comparison Table for Oak-Park-Heights county within Washington, MN. This resource compares maximum borrowing amounts for FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To review and compare qualification requirements like income, reserves, and credit conditions, utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $402,500 | $515,250 | $622,850 | $774,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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