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.
Access today’s best FHA rates with our calculator, which also helps evaluate your downpayment, income, credit, reserves, and required documents for qualification.
Browse loan offers from 100 lenders to find the best fit for your needs.
With Lendersa® calculator, compare both the rates and terms of FHA loans versus all other available loan programs. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly retrieves data from thousands of lenders, matching it with your specific financial situation.
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 |
St.-Cloud FHA Lenders |
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
