FHA Loan Limits in Ramsey County, North Dakota (2026)
From Ramsey County, FHA buyers in Ramsey 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 Ramsey County to the edges of Ramsey 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 Ramsey County?
Homes around Ramsey County carry an estimated local median near $290,000, so an FHA buyer in Ramsey County puts down about $10,150 (3.5%). With North Dakota's 0.98% effective property-tax rate, the all-in payment runs near $2,235 a month — comfortable on household income around $87,000, above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in Ramsey County
Here is what an FHA payment looks like at three Ramsey 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 Ramsey County too — get notified.
First-time buyers make up much of FHA activity in Ramsey County and across Ramsey County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,150 needed on a median Ramsey County home.
Multi-unit FHA limits in Ramsey County
Looking at a duplex or fourplex near Ramsey County? FHA allows up to $692,997 on two units and $1,041,072 on four in Ramsey 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 Ramsey County for 2026?
- In Ramsey County (Ramsey 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 Ramsey County with FHA?
- For a median-priced ($290,000) Ramsey 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 Ramsey County?
- 3.5% with a 580+ score — roughly $10,150 on a $290,000 Ramsey County-area home. Gift funds are allowed.
- Is Ramsey County a high-cost FHA area?
- No — Ramsey County uses the $541,287 national floor for one unit.