FHA Loan Limits in Grand Forks County, North Dakota (2026)
From Grand Forks County, FHA buyers in Grand Forks 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 Grand Forks County to the edges of Grand Forks County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Cass and Burleigh Counties.
What can you buy with FHA in Grand Forks County?
With Grand Forks County's median sale price estimated near $262,000 (think Grand Forks County), the FHA down payment is roughly $9,170. Factoring North Dakota property taxes near 0.98%, expect about $2,030 monthly, pointing to income near $79,000 — above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in Grand Forks County
FHA payments across Grand Forks County price points — from entry homes near Grand Forks County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $189,000 | $6,615 | $1,497 |
| Local median — $262,000 | $9,170 | $2,030 |
| 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 Grand Forks County too — get notified.
First-time buyers make up much of FHA activity in Grand Forks County and across Grand Forks County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $9,170 needed on a median Grand Forks County home.
Multi-unit FHA limits in Grand Forks County
Grand Forks County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Grand Forks County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Grand Forks County for 2026?
- In Grand Forks County (Grand Forks 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 Grand Forks County with FHA?
- For a median-priced ($262,000) Grand Forks County home, plan on income around $79,000 at a 31% housing ratio — about $2,030/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Grand Forks County?
- 3.5% with a 580+ score — roughly $9,170 on a $262,000 Grand Forks County-area home. Gift funds are allowed.
- Is Grand Forks County a high-cost FHA area?
- No — Grand Forks County uses the $541,287 national floor for one unit.