For 2026, in St.-Paul county of Ramsey, MN, the FHA loan limit is $402,500 for a single-family home, $515,250 for 2-unit homes, $622,850 for 3-units, and $774,050 for 4-units.
The maximum conventional loan amount stands at $548,250 for a single-family home, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Utilize our FHA calculator to access today's best FHA rates and understand the requirements for downpayment, income, credit, reserves, and the necessary qualification documents.
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Using Lendersa® calculator, compare FHA rates and terms against those for other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources data from numerous lenders and quickly aligns it with your financial profile.
For 2026, our Loan Limits Comparison Table for St.-Paul county of Ramsey, MN shows maximum loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For insight into qualification needs like income, reserves, and credit, consult Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $402,500 | $515,250 | $622,850 | $774,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| 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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