For 2026, FHA loan limits in St.-Charles county, Winona, MN are: $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units. These limits aid in planning FHA financial options.
The maximum for conventional loans is $548,250 for a single family, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units. Understand these for loan applications.
Use our FHA calculator to see today's best FHA rates and determine down payment, income, credit, and reserves needed to qualify.
Lendersa® equips you to compare FHA rates and terms with those of other programs like conventional, jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® pulls data from thousands of lenders and aligns it with your financial profile for accurate comparisons.
The Loan Limits Comparison Table for 2026 in St.-Charles, Winona, MN shows max loan amounts for FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, HECM, and hard money loans. Evaluate qualification needs using the 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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