For 2026, in Sioux-Falls county, Minnehaha, SD, the FHA loan limits are set at $356,362 for a single-family home. They extend to $456,275 for two-unit properties, $551,500 for three units, and reach $685,400 for four-unit buildings.
The maximum loan amounts for conventional loans on a single-family residence are $548,250, increasing to $702,000 for two units, $848,500 for three units, and $1,054,500 for properties with four units.
Use our FHA calculator to find today's most favorable FHA rates and determine the essential downpayment, income, credit score, reserves, and documentation needed for qualification.
The Lendersa® calculator makes it easy to compare FHA rates and terms with those of other loan programs. Investigate and weigh options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® accesses extensive loan data from thousands of lenders, helping you quickly align options with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Sioux-Falls county, Minnehaha, SD includes maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For examining qualification needs 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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