In 2026, the FHA loan limit in Rice-Lake county of St. Louis, MN stands at $356,362 for a single-family home. For two-unit buildings, it's set at $456,275; for three-units at $551,500; and for four-unit residences, the limit is $685,400. These factors are crucial for homebuyers navigating FHA financing options.
The ceiling for conventional loans on a single-family residence is $548,250. For properties with two units, the limit reaches $702,000; for three-units, it's $848,500; and for four-unit buildings, the maximum is $1,054,500. Knowing these amounts aids in structuring effective loan applications.
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Lendersa® provides a calculator to contrast FHA rates and terms with those of other loan varieties, such as conventional, jumbo, VA, USDA, Non-QM, and hard money loans. This enables a comprehensive analysis to determine the best choice for your needs.
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The Loan Limits Comparison Table for 2026 in Rice-Lake county of St. Louis, MN allows an examination of maximum loan amounts across programs like 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™) to analyze qualification requirements such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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