In the year 2026, the FHA loan cap within Watford-City, in the county of McKenzie, ND, is as follows: $356,362 for a single-family home, $456,275 for a duplex, $551,500 for triplexes, and $685,400 for four-unit homes.
The upper limit for conventional loan amounts on single-family residences is $548,250, with $702,000 allocated for two-unit homes, $848,500 for three-unit buildings, and $1,054,500 for properties with four units.
Make use of our FHA calculator to access the top FHA rates available today. It will also help you calculate the necessary downpayment, income thresholds, credit score, reserves, and document requirements for loan qualification.
The Lendersa® calculator allows a comprehensive review and comparison of FHA rates against all other lending programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By obtaining extensive loan program data from thousands of lenders, Lendersa® is able to quickly align it with your unique financial profile and requirements.
Refer to the Loan Limits Comparison Table for 2026 in Watford-City county, McKenzie, ND, which provides maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review and compare qualification criteria like income, reserves, and credit, you can utilize 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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