Posted in: Buying a home, Getting a mortgage, First time homebuyer tips

FHA loan limits for Minnesota in 2019


Many buyers agree that saving for a down payment can be the most difficult part of buying a home. But FHA loans, which are backed by the Federal Housing Administration, are available for buyers who can afford a monthly mortgage payment, but have as little as 3.5 percent saved for a down payment.

These loans can be the boost that many would-be buyers need to enter the market — and in fact, they are known in the industry as “helper loans” because they are designed to help buyers who may not qualify for other loan programs.

These loans are meant to help borrowers secure responsible loans, so the FHA limits the loan amount based on county housing values. This means that you won’t be able to buy a mansion with an FHA loan, but you should be able to find a moderately-priced home in your area.

If you’re considering an FHA loan in 2019, here are the FHA loan limits for each county in Minnesota.

Note: In addition to paying their monthly mortgage principal and interest, FHA borrowers will pay mortgage insurance at closing and throughout the life of the loan. Learn more about mortgage insurance.

2019 FHA loan limits for Minnesota counties

Minnesota county FHA loan limit for 2019
Aitkin County $314,827
Anoka County $366,850
Becker County $314,827
Beltrami County $314,827
Benton County $314,827
Big Stone County $314,827
Blue Earth County $314,827
Brown County $314,827
Carlton County $314,827
Carver County $366,850
Cass County $314,827
Chippewa County $314,827
Chisago County $366,850
Clay County $314,827
Clearwater County $314,827
Cook County $314,827
Cottonwood County $314,827
Crow Wing County $314,827
Dakota County $366,850
Dodge County $314,827
Douglas County $314,827
Faribault County $314,827
Fillmore County $314,827
Freeborn County $314,827
Goodhue County $314,827
Grant County $314,827
Hennepin County $366,850
Houston County $314,827
Hubbard County $314,827
Isanti County $366,850
Itasca County $314,827
Jackson County $314,827
Kanabec County $314,827
Kandiyohi County $314,827
Kittson County $314,827
Koochiching County $314,827
Lac Qui Parle County $314,827
Lake County $314,827
Lake of the Woods County $314,827
Le Sueur County $366,850
Lincoln County $314,827
Lyon County $314,827
Mahnomen County $314,827
Marshall County $314,827
Martin County $314,827
McLeod County $314,827
Meeker County $314,827
Mille Lacs County $366,850
Morrison County $314,827
Mower County $314,827
Murray County $314,827
Nicollet County $314,827
Nobles County $314,827
Norman County $314,827
Olmsted County $314,827
Otter Tail County $314,827
Pennington County $314,827
Pine County $314,827
Pipestone County $314,827
Polk County $314,827
Pope County $314,827
Ramsey County $366,850
Red Lake County $314,827
Redwood County $314,827
Renville County $314,827
Rice County $314,827
Rock County $314,827
Roseau County $314,827
Scott County $366,850
Sherburne County $366,850
Sibley County $366,850
St. Louis County $314,827
Stearns County $314,827
Steele County $314,827
Stevens County $314,827
Swift County $314,827
Todd County $314,827
Traverse County $314,827
Wabasha County $314,827
Wadena County $314,827
Waseca County $314,827
Washington County $366,850
Watonwan County $314,827
Wilkin County $314,827
Winona County $314,827
Wright County $366,850
Yellow Medicine County $314,827


Remember, some cities span more than one county. Ask your REALTOR® or lender about the loan limit you can expect if you’re searching for homes near county lines.

Ready to buy with an FHA loan in 2019?

Whether you know that an FHA loan is the right choice for you, or you need mortgage guidance as you begin your home buying journey, we can help. Contact Edina Realty or your Realtor to get insights on borrowing and buying.

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