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2025 FHA Loan Limits in Minnesota

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Qualifying for an FHA loan in Minnesota may come with fewer hurdles compared to other conventional home loan options. FHA loans are backed by the Federal Housing Administration (FHA) and have loan limits borrowers must follow. For most Minnesota homebuyers, the 2025 FHA loan limit is $524,225 for a single-family home, though counties with higher home prices like Anoka, Carver, Ramsey and Scott have loan limits up to $529,000.

Minnesota FHA loan limits by county

Minnesota single-family FHA loan limits

County name	One unit	Two units	Three units	Four units	Median sales price
AITKIN	$524,225	$671,200	$811,275	$1,008,300	$180,000
ANOKA	$529,000	$677,200	$818,600	$1,017,300	$460,000
BECKER	$524,225	$671,200	$811,275	$1,008,300	$250,000
BELTRAMI	$524,225	$671,200	$811,275	$1,008,300	$214,000
BENTON	$524,225	$671,200	$811,275	$1,008,300	$261,000
BIG STONE	$524,225	$671,200	$811,275	$1,008,300	$125,000
BLUE EARTH	$524,225	$671,200	$811,275	$1,008,300	$277,000
BROWN	$524,225	$671,200	$811,275	$1,008,300	$171,000
CARLTON	$524,225	$671,200	$811,275	$1,008,300	$220,000
CARVER	$529,000	$677,200	$818,600	$1,017,300	$460,000
CASS	$524,225	$671,200	$811,275	$1,008,300	$250,000
CHIPPEWA	$524,225	$671,200	$811,275	$1,008,300	$140,000
CHISAGO	$529,000	$677,200	$818,600	$1,017,300	$460,000
CLAY	$524,225	$671,200	$811,275	$1,008,300	$295,000
CLEARWATER	$524,225	$671,200	$811,275	$1,008,300	$130,000
COOK	$524,225	$671,200	$811,275	$1,008,300	$270,000
COTTONWOOD	$524,225	$671,200	$811,275	$1,008,300	$125,000
CROW WING	$524,225	$671,200	$811,275	$1,008,300	$250,000
DAKOTA	$529,000	$677,200	$818,600	$1,017,300	$460,000
DODGE	$524,225	$671,200	$811,275	$1,008,300	$314,000
DOUGLAS	$524,225	$671,200	$811,275	$1,008,300	$265,000
FARIBAULT	$524,225	$671,200	$811,275	$1,008,300	$123,000
FILLMORE	$524,225	$671,200	$811,275	$1,008,300	$314,000
FREEBORN	$524,225	$671,200	$811,275	$1,008,300	$148,000
GOODHUE	$524,225	$671,200	$811,275	$1,008,300	$260,000
GRANT	$524,225	$671,200	$811,275	$1,008,300	$149,000
HENNEPIN	$529,000	$677,200	$818,600	$1,017,300	$460,000
HOUSTON	$524,225	$671,200	$811,275	$1,008,300	$270,000
HUBBARD	$524,225	$671,200	$811,275	$1,008,300	$199,000
ISANTI	$529,000	$677,200	$818,600	$1,017,300	$460,000
ITASCA	$524,225	$671,200	$811,275	$1,008,300	$190,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$135,000
KANABEC	$524,225	$671,200	$811,275	$1,008,300	$203,000
KANDIYOHI	$524,225	$671,200	$811,275	$1,008,300	$215,000
KITTSON	$524,225	$671,200	$811,275	$1,008,300	$106,000
KOOCHICHING	$524,225	$671,200	$811,275	$1,008,300	$97,000
LAC QUI PARLE	$524,225	$671,200	$811,275	$1,008,300	$104,000
LAKE	$524,225	$671,200	$811,275	$1,008,300	$220,000
LAKE OF THE WOO	$524,225	$671,200	$811,275	$1,008,300	$128,000
LE SUEUR	$529,000	$677,200	$818,600	$1,017,300	$460,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$91,000
LYON	$524,225	$671,200	$811,275	$1,008,300	$150,000
MAHNOMEN	$524,225	$671,200	$811,275	$1,008,300	$97,000
MARSHALL	$524,225	$671,200	$811,275	$1,008,300	$119,000
MARTIN	$524,225	$671,200	$811,275	$1,008,300	$145,000
MCLEOD	$524,225	$671,200	$811,275	$1,008,300	$240,000
MEEKER	$524,225	$671,200	$811,275	$1,008,300	$202,000
MILLE LACS	$529,000	$677,200	$818,600	$1,017,300	$460,000
MORRISON	$524,225	$671,200	$811,275	$1,008,300	$235,000
MOWER	$524,225	$671,200	$811,275	$1,008,300	$161,000
MURRAY	$524,225	$671,200	$811,275	$1,008,300	$97,000
NICOLLET	$524,225	$671,200	$811,275	$1,008,300	$277,000
NOBLES	$524,225	$671,200	$811,275	$1,008,300	$194,000
NORMAN	$524,225	$671,200	$811,275	$1,008,300	$109,000
OLMSTED	$524,225	$671,200	$811,275	$1,008,300	$314,000
OTTER TAIL	$524,225	$671,200	$811,275	$1,008,300	$228,000
PENNINGTON	$524,225	$671,200	$811,275	$1,008,300	$164,000
PINE	$524,225	$671,200	$811,275	$1,008,300	$219,000
PIPESTONE	$524,225	$671,200	$811,275	$1,008,300	$136,000
POLK	$524,225	$671,200	$811,275	$1,008,300	$263,000
POPE	$524,225	$671,200	$811,275	$1,008,300	$220,000
RAMSEY	$529,000	$677,200	$818,600	$1,017,300	$460,000
RED LAKE	$524,225	$671,200	$811,275	$1,008,300	$84,000
REDWOOD	$524,225	$671,200	$811,275	$1,008,300	$123,000
RENVILLE	$524,225	$671,200	$811,275	$1,008,300	$138,000
RICE	$524,225	$671,200	$811,275	$1,008,300	$300,000
ROCK	$524,225	$671,200	$811,275	$1,008,300	$185,000
ROSEAU	$524,225	$671,200	$811,275	$1,008,300	$173,000
SCOTT	$529,000	$677,200	$818,600	$1,017,300	$460,000
SHERBURNE	$529,000	$677,200	$818,600	$1,017,300	$460,000
SIBLEY	$524,225	$671,200	$811,275	$1,008,300	$200,000
ST. LOUIS	$524,225	$671,200	$811,275	$1,008,300	$220,000
STEARNS	$524,225	$671,200	$811,275	$1,008,300	$261,000
STEELE	$524,225	$671,200	$811,275	$1,008,300	$250,000
STEVENS	$524,225	$671,200	$811,275	$1,008,300	$170,000
SWIFT	$524,225	$671,200	$811,275	$1,008,300	$110,000
TODD	$524,225	$671,200	$811,275	$1,008,300	$169,000
TRAVERSE	$524,225	$671,200	$811,275	$1,008,300	$83,000
WABASHA	$524,225	$671,200	$811,275	$1,008,300	$314,000
WADENA	$524,225	$671,200	$811,275	$1,008,300	$170,000
WASECA	$524,225	$671,200	$811,275	$1,008,300	$210,000
WASHINGTON	$529,000	$677,200	$818,600	$1,017,300	$460,000
WATONWAN	$524,225	$671,200	$811,275	$1,008,300	$150,000
WILKIN	$524,225	$671,200	$811,275	$1,008,300	$184,000
WINONA	$524,225	$671,200	$811,275	$1,008,300	$225,000
WRIGHT	$529,000	$677,200	$818,600	$1,017,300	$460,000
YELLOW MEDICINE	$524,225	$671,200	$811,275	$1,008,300	$108,000

How are FHA loan limits determined?

FHA loan limits are updated from year to year to reflect more accurate housing costs in the various counties in Minnesota. The maximum amount you’re able to borrow is based on a percentage of the national conforming loan limit — currently $806,500 — that’s set by the Federal Housing Finance Agency (FHFA).

For 2025, the lowest loan limit, known as the “floor,” is 65% of the national conforming loan limit, or $524,225 in most Minnesota counties. These include counties such as Aitkin, Clearwater, Lyon and Murray.

Homebuyers in counties in pricier or metropolitan areas may be able to borrow up to the “ceiling” amount, which is 150% of the conforming loan limit. In counties such as Hennepin, Le Sueur, and Sherburne, you may qualify for an FHA loan up to $1,017,300 for a four-unit property.

How to qualify for an FHA loan in Minnesota

Requirements for FHA loans tend to come with more flexible criteria since they’re backed by the government. In other words, lenders are protected against losses if you default on the loan.

Some of the loan requirements you’ll need to meet:

Minimum credit score and down payment: You can qualify for an FHA loan if you have a credit score between 500 and 579, but you’ll need a 10% down payment. Anyone who has a 580 credit score or higher can put down 3.5% of the loan amount.
Maximum debt-to-income (DTI) ratio: Lenders want to assess whether you’ll be able to repay their loan, so they will look at your DTI ratio. This is the percentage of your gross income currently going toward debt. The higher your DTI, the more risk you pose as a lender. Most lenders will typically ask for a DTI ratio of 43% or lower, though yours may be as high as 45% if you can prove in other ways you can afford the loan, such as having a significant amount in cash reserves.
Income requirements: Lenders look at your employment history, though there aren’t any specific income requirements you need to meet. Be prepared to provide proof like your W2 and 1099s if you’re self-employed to show income history for the previous two years.
Primary residence: Any home you purchase with an FHA loan needs to be your primary residence for at least one year.
FHA loan appraisal: All homes purchased using this type of loan need to pass an FHA appraisal to ensure the home complies with current safety and to assess its market value.
FHA mortgage insurance: Homebuyers need to pay two types of FHA mortgage insurance: an upfront premium of 1.75% that’s rolled into your loan and an ongoing payment added to your monthly premiums ranging from 0.15% to 0.75% of your total loan amount.

Buying a multifamily property with an FHA loan

It’s possible to purchase a multifamily home of two to four units with an FHA loan and potentially with a down payment as low as 3.5%. Many borrowers use the accessibility of an FHA loan as part of their house hacking strategy, where you live in one unit and rent out the others.

The criteria you’ll need to meet are much like purchasing a single-family home:

Have a minimum 500 credit score (if you’re willing to put 10% down) or 580 score to qualify for a down payment as low as 3.5%.
Live in one of the units as your primary residence for at least one year.
Have a solid employment and income history, and you may be able to include any potential rental income from the other units.
Your DTI ratio needs to be at or below 43%, though there may be some exceptions depending on your credit profile.
Pass an FHA loan appraisal and home inspection.
Agree to pay mortgage insurance throughout the life of the loan.

In 2025, the FHA loan limits for multifamily properties in Minnesota are: