Current FHA Mortgage Rates in MN - Minnesota FHA Mortgage

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Minnesota Mortgages

2022 FHA Loan Limits for Minnesota

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2022 FHA loan limits for each county in Minnesota are below.

County Name One Family Two Family Three Family Four Family
Aitkin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Anoka One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Becker One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Beltrami One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Benton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Big Stone One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Blue Earth One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Brown One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Carlton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Carver One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Cass One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chippewa One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chisago One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Clay One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clearwater One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cook One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cottonwood One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Crow Wing One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dakota One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Dodge One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Douglas One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Faribault One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fillmore One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Freeborn One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Goodhue One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Grant One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hennepin One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Houston One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hubbard One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Isanti One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Itasca One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jackson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kanabec One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kandiyohi One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kittson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Koochiching One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lac Qui Parle One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lake One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lake Of The Woo One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Le Sueur One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Lincoln One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lyon One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mahnomen One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Marshall One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Martin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mcleod One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Meeker One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mille Lacs One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Morrison One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mower One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Murray One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Nicollet One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Nobles One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Norman One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Olmsted One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Otter Tail One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pennington One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pine One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pipestone One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Polk One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pope One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ramsey One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Red Lake One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Redwood One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Renville One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rice One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rock One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Roseau One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Scott One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Sherburne One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Sibley One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
St. Louis One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Stearns One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Steele One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Stevens One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Swift One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Todd One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Traverse One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wabasha One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wadena One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Waseca One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Washington One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Watonwan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wilkin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Winona One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wright One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
Yellow Medicine One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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