In 2025, the FHA loan limit set for Windom county within Cottonwood, MN is $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-unit buildings, and $907,900 for four-unit residences. Understanding these limits is essential for planning FHA financing strategies.
Conversely, the maximum amounts for conventional loans on a single-family dwelling stand at $726,200. For duplexes, the cap is $929,850, for three-unit homes it's $1,123,900, and for four-unit constructions, the limit is $1,396,800. Knowing these figures aids in structuring effective loan applications.
Our FHA calculator helps you determine the most favourable FHA rates today. It calculates necessary components like down payments, income levels, credit scores, reserves, and documents required to qualify for a loan.
Browse loan offers from a selection of 100 lenders to find the most suitable option for your needs.
The Lendersa® calculator provides a valuable tool to compare FHA loan terms and rates with other financial products, including conventional, jumbo, VA, USDA, Non-QM, and hard money loans. This helps highlight the differences among potential options.
Lendersa® gathers comprehensive data from a wide range of lenders and quickly matches it against your personal financial profile, offering tailored insights specific to your requirements.
Utilize the Loan Limits Comparison Table for 2025 in Windom county of Cottonwood, MN, offering a comparison of maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Explore qualification needs such as income, reserves, and credit score requirements through Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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