Key Insights:
- FHA loans can assist those who are having trouble saving for a down payment or have a low credit score.
- Loan limits in Minnesota range from $541,287-$552,000 based on county.
- Talk to your loan advisor or REALTOR to learn more about FHA loans.
Various loan options are available to today’s homebuyers, including FHA loans. These loans, also known as “helper loans,” are backed by the Federal Housing Administration, which has the ability to approve certain buyers who might find it challenging to save for a down payment or maintain an ideal credit score.
Because the FHA takes on more risk when lending to these buyers, they limit how much buyers can borrow with this loan type. The majority of Minnesota counties have a 2026 FHA loan limit of $541,287. However, 13 of the more expensive counties in Minnesota have a higher loan limit of $552,000. Those counties are:
- Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Le Sueur, Mille Lacs, Ramsey, Scott, Sherburne, Washington and Wright
2026 FHA loan limits for Minnesota counties
If you’re considering an FHA loan in 2026, here are the FHA loan limits for each county in Minnesota.
Keep in mind, some cities span more than one county. Ask your REALTOR® or lender about the loan limit you can expect if your home search includes properties near county lines.
| Minnesota county | FHA loan limit for 2026 |
| Aitkin County | $541,287 |
| Anoka County | $552,000 |
| Becker County | $541,287 |
| Beltrami County | $541,287 |
| Benton County | $541,287 |
| Big Stone County | $541,287 |
| Blue Earth County | $541,287 |
| Brown County | $541,287 |
| Carlton County | $541,287 |
| Carver County | $552,000 |
| Cass County | $541,287 |
| Chippewa County | $541,287 |
| Chisago County | $552,000 |
| Clay County | $541,287 |
| Clearwater County | $541,287 |
| Cook County | $541,287 |
| Cottonwood County | $541,287 |
| Crow Wing County | $541,287 |
| Dakota County | $552,000 |
| Dodge County | $541,287 |
| Douglas County | $541,287 |
| Faribault County | $541,287 |
| Fillmore County | $541,287 |
| Freeborn County | $541,287 |
| Goodhue County | $541,287 |
| Grant County | $541,287 |
| Hennepin County | $552,000 |
| Houston County | $541,287 |
| Hubbard County | $541,287 |
| Isanti County | $552,000 |
| Itasca County | $541,287 |
| Jackson County | $541,287 |
| Kanabec County | $541,287 |
| Kandiyohi County | $541,287 |
| Kittson County | $541,287 |
| Koochiching County | $541,287 |
| Lac Qui Parle County | $541,287 |
| Lake County | $541,287 |
| Lake of the Woods County | $541,287 |
| Le Sueur County | $552,000 |
| Lincoln County | $541,287 |
| Lyon County | $541,287 |
| Mahnomen County | $541,287 |
| Marshall County | $541,287 |
| Martin County | $541,287 |
| McLeod County | $541,287 |
| Meeker County | $541,287 |
| Mille Lacs County | $552,000 |
| Morrison County | $541,287 |
| Mower County | $541,287 |
| Murray County | $541,287 |
| Nicollet County | $541,287 |
| Nobles County | $541,287 |
| Norman County | $541,287 |
| Olmsted County | $541,287 |
| Otter Tail County | $541,287 |
| Pennington County | $541,287 |
| Pine County | $541,287 |
| Pipestone County | $541,287 |
| Polk County | $541,287 |
| Pope County | $541,287 |
| Ramsey County | $552,000 |
| Red Lake County | $541,287 |
| Redwood County | $541,287 |
| Renville County | $541,287 |
| Rice County | $541,287 |
| Rock County | $541,287 |
| Roseau County | $541,287 |
| Scott County | $552,000 |
| Sherburne County | $552,000 |
| Sibley County | $541,287 |
| St. Louis County | $541,287 |
| Stearns County | $541,287 |
| Steele County | $541,287 |
| Stevens County | $541,287 |
| Swift County | $541,287 |
| Todd County | $541,287 |
| Traverse County | $541,287 |
| Wabasha County | $541,287 |
| Wadena County | $541,287 |
| Waseca County | $541,287 |
| Washington County | $552,000 |
| Watonwan County | $541,287 |
| Wilkin County | $541,287 |
| Winona County | $541,287 |
| Wright County | $552,000 |
| Yellow Medicine County | $541,287 |
Start your home search now
Your home purchase is an important matter. Discovering the right mortgage loan type for your dream home will be that much easier with a real estate expert by your side. Reach out to Edina Realty or your agent today for the guidance you need to select a home with confidence.