Dan Green
Dan Green

Dan Green

Homebuyer.com

Dan Green has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

Dan Green

Dan Green

Homebuyer.com

Dan Green has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

Couple at home looking at tablet

This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.

Trusted Content
Homebuyer Logo

Trusted Content

This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

Homebuyer Logo

Trusted Content

This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits for Minnesota

Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration

Minnesota mortgage loan limits apply in:

2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Areas
Video Length: 06:51

Historical Charts: Mortgage Loan Limits in Minnesota

Minnesota mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans
FHA Loans

Mortgage Statistics from Minnesota

Minnesota mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages
Total
Purchase Mortgages (2018-2023)
485,777
Loan Type
Relative Share
Conventional
80.66%
FHA
11.99%
VA
5.18%
USDA
2.18%
Property Type
Relative Share
1-Unit Homes
98.24%
2-Unit Homes
1.43%
3-Unit Homes
0.18%
4-Unit Homes
0.15%
Borrower Status
Relative Share
One Applicant
52.64%
Two or More Applicants
47.36%
Gender
Relative Share
Male
30.98%
Female
22.03%
Joint Sex
41.27%
Not Available
5.71%
Race
Relative Share
American Indian / Alaska Native
0.47%
Asian
5.36%
Black / African American
3.81%
Native Hawaiian / Other Pacific Islander
0.09%
White
77.58%
Mixed Race
2.51%
Other Race
10.17%
Ethnicity
Relative Share
Hispanic or Latino
3.85%
Not Hispanic or Latino
83.28%
Joint Ethnicity
1.55%
Other Ethnicity
11.32%
Minnesota data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits in All Minnesota Counties

2025 conforming and FHA mortgage loan limits for all Minnesota counties. Local loan limits and county-level mortgage data updated regularly.

Minnesota Counties

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

Find Mortgage Lenders

Compare mortgage lenders and explore options for first-time home buyer programs. Find lenders who can help you get pre-approved for your home purchase.

Find Lenders

Find lenders offering your perfect mortgage

We organize options. You choose who to work with.
Find Lenders 
Homebuyer.com is not a lender or mortgage broker. We don't provide quotes or credit decisions. We display links to lenders who may offer services.

Homebuyer.com is a mortgage information and comparison website. We are not a mortgage lender or broker and do not originate loans, collect personal information, or make credit decisions.

Homebuyer.com is operated by:
Growella Inc.
1311 Vine St, First Floor
Cincinnati, OH 45202
hello@homebuyer.com

Equal Housing Opportunity

Notices

Links

Mortgages

Tools

© 2021-2025 Homebuyer.com. Neither Homebuyer.com nor Growella Inc. is a mortgage lender or broker and neither originates loans nor makes credit decisions. The content on this site is intended for informational purposes only and should not be considered financial or legal advice. Nothing on this website constitutes a loan commitment or interest rate lock agreement. Homebuyer.com does not endorse or control the content, policies, or practices of participating lenders or their external websites. Always ask for a Loan Estimate when evaluating any mortgage loan proposal. This site is not affiliated with any government agency. This website and our services are not available in Connecticut, Illinois, Maryland, Minnesota, Nevada, North Carolina, North Dakota, Oregon, Vermont, or West Virginia. This website is not approved for use in the State of New York. Equal Housing Opportunity.
BESbswy