FHA Loan Limits in Mower County, Minnesota (2026)
From Mower County, FHA buyers in Mower County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Mower County to the edges of Mower County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Hennepin and Ramsey Counties.
What can you buy with FHA in Mower County?
An FHA buyer near Mower County faces an estimated $394,000 median, a $13,790 down payment, and — after Minnesota's 1.11% property tax — a monthly cost around $3,037. That suits household income of roughly $118,000, above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Mower County
Whether you are buying in Mower County or a smaller Mower County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $284,000 | $9,940 | $2,222 |
| Local median — $394,000 | $13,790 | $3,037 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Mower County too — get notified.
First-time buyers make up much of FHA activity in Mower County and across Mower County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,790 needed on a median Mower County home.
Multi-unit FHA limits in Mower County
Investors and house-hackers in Mower County and across Mower County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
Get FHA Rate & Program Alerts
We track HUD and FHA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Mower County for 2026?
- In Mower County (Mower County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Mower County with FHA?
- For a median-priced ($394,000) Mower County home, plan on income around $118,000 at a 31% housing ratio — about $3,037/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Mower County?
- 3.5% with a 580+ score — roughly $13,790 on a $394,000 Mower County-area home. Gift funds are allowed.
- Is Mower County a high-cost FHA area?
- No — Mower County uses the $541,287 national floor for one unit.