FHA Loan Limits in North Dakota (2026)
For 2026, the FHA loan limit in most North Dakota counties is $541,287 for a single-family home. North Dakota has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in North Dakota
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Cass County | $541,287 | $692,997 | $1,041,072 | Standard |
| Burleigh County | $541,287 | $692,997 | $1,041,072 | Standard |
| Grand Forks County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ward County | $541,287 | $692,997 | $1,041,072 | Standard |
| Williams County | $541,287 | $692,997 | $1,041,072 | Standard |
| Stark County | $541,287 | $692,997 | $1,041,072 | Standard |
| Morton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Stutsman County | $541,287 | $692,997 | $1,041,072 | Standard |
| McKenzie County | $541,287 | $692,997 | $1,041,072 | Standard |
| Mountrail County | $541,287 | $692,997 | $1,041,072 | Standard |
| Richland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Barnes County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rolette County | $541,287 | $692,997 | $1,041,072 | Standard |
| Walsh County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ramsey County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in North Dakota
FHA loans are popular with first-time buyers in North Dakota because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in North Dakota for 2026?
- Most North Dakota counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in North Dakota?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.