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.
Use our FHA calculator to access today’s top FHA rates and calculate the necessary downpayment, income, credit criteria, reserves, and documents required to qualify.
Explore offers from 100 lenders for the best financing options.
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.
Lendersa® gathers extensive loan data from thousands of lenders, efficiently analyzing it against your financial profile to provide tailored insights.
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 |
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
