In 2026, FHA loan limits in Waite-Park county of Stearns, MN are specified as follows: $356,362 for a single-family home, $456,275 for 2-unit dwellings, $551,500 for 3-unit homes, and $685,400 for 4-unit properties.
The maximum amounts available for conventional loans on a single-family residence are $548,250, with $702,000 for two units, $848,500 for three units, and $1,054,500 for properties with four units.
Use our FHA calculator to view today’s best FHA rates and determine the necessary downpayment, income requirements, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs, such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money options, making it easier to explore and compare.
Lendersa® collects extensive loan program data from thousands of lenders, providing rapid comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Waite-Park county, Stearns, MN, embraces multiple loan types: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a deep dive into qualification requirements, including income, reserves, and credit needs, turn to 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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