In 2026, the FHA loan limits for Winona county in Winona, MN, are $472,030 for a single-family home, $604,400 for two-unit residences, $730,525 for three-unit buildings, and $907,900 for four-unit properties. These limits guide those planning to finance properties using FHA loans.
For conventional loans, the maximums are: $726,200 for single-family homes, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four-unit buildings. At these limits, borrowers can evaluate their financing capacity and plan accordingly.
Use our FHA calculator to view today’s best FHA rates, calculate the necessary downpayment, income, credit requirements, reserves, and gather documents needed to qualify.
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The Lendersa® calculator allows you to compare FHA rates and terms with other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This ensures you can make an informed choice that best suits your financial needs.
Lendersa® accesses an array of loan data from numerous lenders, quickly aligning it with your unique financial profile for a personalized match.
The Loan Limits Comparison Table for 2026 in Winona county, Winona, MN includes maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To deeply understand qualification requirements like income, reserves, and credit criteria, use the 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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