In 2026, the FHA loan limit for St.-Cloud county, Stearns, MN is $356,362 for a single-family home, $456,275 for duplexes, $551,500 for triplexes, and $685,400 for four-unit buildings.
Conventional loan maximums are $548,250 for single-family residences, $702,000 for two-units, $848,500 for three-units, and $1,054,500 for four-unit residences.
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The 2026 Loan Limits Comparison Table for St.-Cloud county, Stearns, MN features maximum loan amounts across FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualifications like income and credit, use 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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