2026 loan limits in Martin County, Minnesota
In Martin County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Martin County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Martin County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Martin County?
$541,287 for a one-unit home.
More for Martin County
Martin County property taxesFHA loan limits toolMinnesota closing costsCeylon 56121 market dataDunnell 56127 market dataFairmont 56031 market dataGranada 56039 market dataOdin 56160 market dataOrmsby 56162 market dataSherburn 56171 market dataTrimont 56176 market dataTruman 56088 market dataWelcome 56181 market data
2026 limits from HUD’s county files (Fairmont, Mn). Conforming limits are set by the Federal Housing Finance Agency.