For 2026, in Dakota-Dunes county of Union, SD, the FHA loan limits are $356,362 for single-family homes, $456,275 for two-unit residences, $551,500 for three-units, and $685,400 for four-units.
The maximum for conventional loans is $548,250 for a single-family residence, $702,000 for two-unit homes, $848,500 for three-unit properties, and $1,054,500 for four-unit buildings.
Use our FHA calculator to check today’s best FHA rates and determine the required down payment, income, credit, reserves, and documents for qualification.
With the Lendersa® calculator, compare FHA rates and terms to those of other loans, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® aggregates data from numerous lenders for quick comparison to your financial profile and needs.
The 2026 Loan Limits Comparison Table for Dakota-Dunes county, Union, SD reveals maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed qualification criteria such as income, reserves, and credit, 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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