In 2026, the FHA loan limits in the county of Stearns, located in Sartell, MN, are set at $472,030 for single-family homes. For 2-unit homes, the limit is $604,400, it is $730,525 for 3-unit residences, and $907,900 for 4-unit properties.
For conventional loan maximums, a single-family home can borrow up to $726,200. Two-unit properties have a cap at $929,850, three-unit residences can borrow up to $1,123,900, and four-unit homes are limited to $1,396,800.
Utilize our FHA calculator to explore competitive rates today and understand what down payment, income verification, credit score, financial reserves, and documents are necessary to qualify.
The Lendersa® calculator efficiently compares FHA rates and terms alongside other lending options, helping you contrast them with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Drawing data from thousands of lenders, Lendersa® swiftly aligns loan offerings with your distinct financial situation and requirements.
For 2026 in Sartell county, within Stearns, MN, review the Loan Limits Comparison Table, juxtaposing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Assess eligibility criteria such as income, reserve funds, and credit scores by using 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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