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2025 FHA Loan Limits in North Dakota

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Federal Housing Administration loans, or FHA loans, make homeownership more accessible for North Dakotans. These loans are backed by the government and have lower credit score and down payment requirements than conventional loans. However, there’s a limit to how much you can borrow with an FHA loan — and it’s lower than conventional loan limits.

If you’re thinking about buying a home in North Dakota using an FHA loan, the borrowing limit on single-family homes is $524,225 across the entire state.

North Dakota FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
ADAMS	$524,225	$671,200	$811,275	$1,008,300	$101,000
BARNES	$524,225	$671,200	$811,275	$1,008,300	$165,000
BENSON	$524,225	$671,200	$811,275	$1,008,300	$89,000
BILLINGS	$524,225	$671,200	$811,275	$1,008,300	$293,000
BOTTINEAU	$524,225	$671,200	$811,275	$1,008,300	$134,000
BOWMAN	$524,225	$671,200	$811,275	$1,008,300	$121,000
BURKE	$524,225	$671,200	$811,275	$1,008,300	$76,000
BURLEIGH	$524,225	$671,200	$811,275	$1,008,300	$320,000
CASS	$524,225	$671,200	$811,275	$1,008,300	$295,000
CAVALIER	$524,225	$671,200	$811,275	$1,008,300	$145,000
DICKEY	$524,225	$671,200	$811,275	$1,008,300	$130,000
DIVIDE	$524,225	$671,200	$811,275	$1,008,300	$70,000
DUNN	$524,225	$671,200	$811,275	$1,008,300	$205,000
EDDY	$524,225	$671,200	$811,275	$1,008,300	$85,000
EMMONS	$524,225	$671,200	$811,275	$1,008,300	$87,000
FOSTER	$524,225	$671,200	$811,275	$1,008,300	$160,000
GOLDEN VALLEY	$524,225	$671,200	$811,275	$1,008,300	$138,000
GRAND FORKS	$524,225	$671,200	$811,275	$1,008,300	$263,000
GRANT	$524,225	$671,200	$811,275	$1,008,300	$57,000
GRIGGS	$524,225	$671,200	$811,275	$1,008,300	$89,000
HETTINGER	$524,225	$671,200	$811,275	$1,008,300	$87,000
KIDDER	$524,225	$671,200	$811,275	$1,008,300	$100,000
LAMOURE	$524,225	$671,200	$811,275	$1,008,300	$82,000
LOGAN	$524,225	$671,200	$811,275	$1,008,300	$60,000
MCHENRY	$524,225	$671,200	$811,275	$1,008,300	$256,000
MCINTOSH	$524,225	$671,200	$811,275	$1,008,300	$160,000
MCKENZIE	$524,225	$671,200	$811,275	$1,008,300	$310,000
MCLEAN	$524,225	$671,200	$811,275	$1,008,300	$125,000
MERCER	$524,225	$671,200	$811,275	$1,008,300	$156,000
MORTON	$524,225	$671,200	$811,275	$1,008,300	$320,000
MOUNTRAIL	$524,225	$671,200	$811,275	$1,008,300	$150,000
NELSON	$524,225	$671,200	$811,275	$1,008,300	$69,000
OLIVER	$524,225	$671,200	$811,275	$1,008,300	$320,000
PEMBINA	$524,225	$671,200	$811,275	$1,008,300	$92,000
PIERCE	$524,225	$671,200	$811,275	$1,008,300	$140,000
RAMSEY	$524,225	$671,200	$811,275	$1,008,300	$188,000
RANSOM	$524,225	$671,200	$811,275	$1,008,300	$150,000
RENVILLE	$524,225	$671,200	$811,275	$1,008,300	$256,000
RICHLAND	$524,225	$671,200	$811,275	$1,008,300	$184,000
ROLETTE	$524,225	$671,200	$811,275	$1,008,300	$105,000
SARGENT	$524,225	$671,200	$811,275	$1,008,300	$105,000
SHERIDAN	$524,225	$671,200	$811,275	$1,008,300	$75,000
SIOUX	$524,225	$671,200	$811,275	$1,008,300	$104,000
SLOPE	$524,225	$671,200	$811,275	$1,008,300	$118,000
STARK	$524,225	$671,200	$811,275	$1,008,300	$293,000
STEELE	$524,225	$671,200	$811,275	$1,008,300	$70,000
STUTSMAN	$524,225	$671,200	$811,275	$1,008,300	$170,000
TOWNER	$524,225	$671,200	$811,275	$1,008,300	$85,000
TRAILL	$524,225	$671,200	$811,275	$1,008,300	$176,000
WALSH	$524,225	$671,200	$811,275	$1,008,300	$125,000
WARD	$524,225	$671,200	$811,275	$1,008,300	$256,000
WELLS	$524,225	$671,200	$811,275	$1,008,300	$54,000
WILLIAMS	$524,225	$671,200	$811,275	$1,008,300	$305,000

How are FHA loan limits determined?

FHA loan limits are determined annually based on the national conforming loan limit for conventional loans set by the Federal Housing Finance Agency (FHFA), which is tied to median home prices. The National Housing Act requires the FHA to establish both a loan limit floor (for areas with a low cost of living) and a ceiling (for areas with a high cost of living).

The 2025 national FHA loan limit floor for a one-unit home is $524,225, or 65% of the national conforming loan limit. The ceiling amount is $1,209,750, or 150% of the national conforming loan limit. In North Dakota, the FHA loan limit is $524,225 in all counties.

How to qualify for an FHA loan in North Dakota

North Dakotans might find it easier to qualify for an FHA loan than a conventional loan. While conventional loans often have higher credit score and down payment requirements, FHA loans are designed for first-time homebuyers and people with less-than-perfect credit or more limited down payments.

But FHA loans still come with some requirements. Here’s what you’ll need to qualify for an FHA loan in North Dakota:

Minimum credit score of 500 or 580: You’ll need a credit score of at least 500 to qualify for an FHA loan with a 10% down payment. If your credit score is 580 or above, you can qualify with a lower down payment of at least 3.5%.
Minimum down payment of 3.5% or 10%: Again, with a credit score of 580 or above, you only need a 3.5% down payment. But if it’s lower, you’ll need to put 10% down.
Maximum debt-to-income (DTI) ratio of 43%: You can calculate your DTI ratio by adding up all your monthly debt payments and dividing that number by your gross monthly income.
Mortgage insurance: You’ll have to get mortgage insurance regardless of how much money you put down, which can make FHA loans more expensive than conventional loans.
Primary residence: The home you buy with an FHA loan must be your primary residence for at least a year.
FHA appraisal: The lender will require you to get an FHA appraisal of the house you want to buy. The purpose of an FHA appraisal is to confirm that the home meets U.S. Department of Housing and Urban Development (HUD) requirements and to calculate the loan-to-value ratio of your mortgage.
Documentation for recent employment: FHA loans don’t have income requirements. But you will need to show documentation for any jobs you’ve held in the last two years and pay stubs from the last 30 days.
No delinquent federal debt: Lenders will check the Credit Alert Interactive Verification Reporting System (CAIVRS) system before approving you for an FHA loan, and if you’re delinquent on any government-backed loans or government debt, you may not qualify.

Buying a multifamily property with an FHA loan

You can also use an FHA loan to buy a two- to four-unit multifamily home with a down payment of just 3.5%. FHA loans are a popular choice for house hackers who rent out units in their primary residence to cover their mortgage payments, especially because you can count your future rental payments as income when applying for a loan.

These FHA loans come with different limits as listed in the table below. Borrowers may also have to meet additional requirements, such as:

Mortgage reserves: If you’re buying a multifamily home, a lender may require that you have mortgage reserves. These are cash or liquid assets set aside to cover your housing payments for a certain number of months if needed.
Primary residence: You can rent out extra units, but you’re still required to live in one of the units for at least one year.