In the year 2026, the FHA loan limits in Sauk-Centre county, part of Stearns, MN, are as follows: $356,362 for a single-family home, $456,275 for two-unit properties, $551,500 for three-unit buildings, and $685,400 for four-unit structures. These limits are key for potential buyers to strategize their financing.
The maximum loan amounts for conventional loans are $548,250 for single-family homes, $702,000 for two-unit residences, $848,500 for three-unit homes, and $1,054,500 for four-unit properties. Understanding these figures is essential for planning loan applications.
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The Loan Limits Comparison Table for 2026 in Sauk-Centre county of Stearns, MN, provides a comparative overview of maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. For detailed analysis of qualification requirements such as income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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