2026 FHA Loan Limits in North Dakota
Federal Housing Administration loans, or FHA loans, make homeownership more accessible for North Dakotans. These loans are backed by the government and have lower credit score and down payment requirements than conventional loans. However, you can’t borrow as much as you could with a conventional home loan.
If you’re thinking about buying a home in North Dakota using an FHA loan, the borrowing limit on single-family homes is $541,287 across the entire state.
North Dakota FHA loan limits by county
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ADAMS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $105,000 |
| BARNES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| BENSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $108,000 |
| BILLINGS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $404,000 |
| BOTTINEAU COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $190,000 |
| BOWMAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $101,000 |
| BURKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $67,000 |
| BURLEIGH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $337,000 |
| CASS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| CAVALIER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| DICKEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $115,000 |
| DIVIDE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $160,000 |
| DUNN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $404,000 |
| EDDY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $65,000 |
| EMMONS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $121,000 |
| FOSTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $164,000 |
| GOLDEN VALLEY C | $541,287 | $693,050 | $837,700 | $1,041,125 | $110,000 |
| GRAND FORKS COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $282,000 |
| GRANT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $65,000 |
| GRIGGS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $82,000 |
| HETTINGER COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $123,000 |
| KIDDER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $240,000 |
| LAMOURE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $110,000 |
| LOGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $76,000 |
| MCHENRY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $263,000 |
| MCINTOSH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $333,000 |
| MCKENZIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $373,000 |
| MCLEAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $160,000 |
| MERCER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $170,000 |
| MORTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $337,000 |
| MOUNTRAIL COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| NELSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| OLIVER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $337,000 |
| PEMBINA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $127,000 |
| PIERCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $133,000 |
| RAMSEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $193,000 |
| RANSOM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $144,000 |
| RENVILLE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $263,000 |
| RICHLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| ROLETTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $127,000 |
| SARGENT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| SHERIDAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $72,000 |
| SIOUX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $110,000 |
| SLOPE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| STARK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $404,000 |
| STEELE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $106,000 |
| STUTSMAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| TOWNER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $55,000 |
| TRAILL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| WALSH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $122,000 |
| WARD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $263,000 |
| WELLS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $96,000 |
| WILLIAMS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $335,000 |
How are FHA loan limits determined?
FHA loan limits are determined annually based on the national conforming loan limit for conventional loans set by the Federal Housing Finance Agency (FHFA), which is tied to average home prices. The National Housing Act requires the FHA to establish both a loan limit floor (for areas with a low cost of living) and a ceiling (for areas with a high cost of living).
2026 FHA loan floor and ceiling amounts for one-unit homes:
- The national FHA loan limit floor is $541,287, or 65% of the national conforming loan limit.
- The national ceiling amount is $1,249,125, or 150% of the national conforming loan limit.
- In North Dakota, the FHA loan limit is $541,287 in all counties.
How to qualify for an FHA loan in North Dakota
North Dakotans might find it easier to qualify for an FHA loan than a conventional loan. While conventional loans often have higher credit score and down-payment requirements, FHA loans are designed for first-time homebuyers and people with less-than-perfect credit or more limited down payments.
Even though these loans are usually easier to get, you’ll still need to meet some mortgage requirements. Here’s what you’ll need to qualify for an FHA loan in North Dakota:
- Minimum credit score of 500 or 580: You’ll need at least a 500 credit score to qualify for an FHA loan with a 10% down payment. If your credit score is 580 or above, you can qualify with a lower down payment of at least 3.5%.
- Minimum down payment of 3.5% or 10%: Again, with a credit score of 580 or above, you only need a 3.5% down payment. But if it’s lower, you’ll need to put 10% down.
- Maximum debt-to-income (DTI) ratio of 43%: You can calculate your DTI ratio by adding up all your monthly debt payments and dividing that number by your gross monthly income.
- Mortgage insurance: You’ll have to get mortgage insurance regardless of how much money you put down, which can make FHA loans more expensive than conventional loans.
- Primary residence: The home you buy with an FHA loan must be your primary residence for at least a year.
- FHA appraisal: The lender will require you to get an FHA appraisal of the house you want to buy. The purpose of an FHA appraisal is to confirm that the home meets U.S. Department of Housing and Urban Development (HUD) requirements and to calculate the loan-to-value ratio of your mortgage.
- Documentation for recent employment: FHA loans don’t have income requirements. But you will need to show documentation for any jobs you’ve held in the last two years and pay stubs from the last 30 days.
- No delinquent federal debt: Lenders will check the Credit Alert Interactive Verification Reporting System (CAIVRS) system before approving you for an FHA loan, and if you’re delinquent on any government-backed loans or government debt, you may not qualify.
Buying a multifamily property with an FHA loan
You can also use an FHA loan to buy a two- to four-unit multifamily home with a down payment of just 3.5%. FHA loans are a popular choice for house hackers who rent out units in their primary residence to cover their mortgage payments, especially because you can count your future rental payments as income when applying for a loan.
These FHA loans come with different limits as listed in the table below. Borrowers may also have to meet additional requirements, such as:
- Mortgage reserves: If you’re buying a multifamily home, a lender may require that you have mortgage reserves. These are cash or liquid assets set aside to cover your housing payments for a certain number of months if needed.
- Primary residence: You can rent out extra units, but you’re still required to live in one of the units.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in North Dakota
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 |
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