In 2026, the FHA loan limit in St.-Augusta county of Stearns, MN is $356,362 for a single-family home. For two units, it's $456,275; for three units, the cap is $551,500; and for four units it's $685,400. These limits help guide homebuyers on their borrowing capacity under FHA programs.
The conventional loan maximums are set at $548,250 for single-family homes, $702,000 for two units, $848,500 for three units, and $1,054,500 for properties with four units. Understanding these figures is crucial when planning a loan application.
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The Lendersa® calculator allows you to compare FHA loan rates and terms with those of other programs, including conventional, jumbo, VA, USDA, Non-QM, and hard money loans. This wide-ranging comparison helps determine the most suitable financial path.
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The Loan Limits Comparison Table for 2026 in St.-Augusta county, Stearns, MN, compares maximum loans for FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification needs like 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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