FHA Loan Limits in Cass County, North Dakota (2026)
In Cass County — anchored by Cass County — the 2026 FHA loan limit for a single-family home is $541,287. 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 |
These 2026 limits apply throughout Cass County, from Cass County outward, and sit alongside the limits set for neighboring Burleigh and Grand Forks Counties.
Affording a home in Cass County & Cass County
With Cass County's median sale price estimated near $290,000 (think Cass County), the FHA down payment is roughly $10,150. Factoring North Dakota property taxes near 0.98%, expect about $2,235 monthly, pointing to income near $87,000 — above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in Cass County
Here is what an FHA payment looks like at three Cass County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $209,000 | $7,315 | $1,643 |
| Local median — $290,000 | $10,150 | $2,235 |
| At the FHA limit — $541,287 | $18,945 | $4,071 |
Estimates include FHA MIP plus North Dakota property taxes and insurance. Rates move daily near Cass County too — get notified.
In Cass County and the surrounding Cass County market, FHA's appeal is the math: $10,150 down on a $290,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Cass County
Looking at a duplex or fourplex near Cass County? FHA allows up to $692,997 on two units and $1,041,072 on four in Cass County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Cass County for 2026?
- In Cass County (Cass 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 Cass County with FHA?
- For a median-priced ($290,000) Cass County home, plan on income around $87,000 at a 31% housing ratio — about $2,235/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cass County?
- 3.5% with a 580+ score — roughly $10,150 on a $290,000 Cass County-area home. Gift funds are allowed.
- Is Cass County a high-cost FHA area?
- No — Cass County uses the $541,287 national floor for one unit.