In 2026, the FHA loan limit in St.-Joseph county of Stearns, MN stands at $356,362 for a single-family home, $456,275 for homes with two units, $551,500 for three-unit residences, and $685,400 for properties with four units.
The maximum for conventional loans on a single-family residence is $548,250, with $702,000 for two-unit homes, $848,500 for three-unit houses, and $1,054,500 for four-unit dwellings.
Utilize our FHA calculator to find today’s best FHA rates and calculate the necessary downpayment, income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms with those from other loan programs. Consider exploring Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® aggregates loan program data from thousands of lenders, swiftly aligning these with your unique financial situation and needs.
The Loan Limits Comparison Table for 2026 in St.-Joseph county of Stearns, MN, includes loan maximums for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For comparing qualification factors like income, reserves, and credit, employ 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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