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2021 FHA Loan Limits in North Dakota

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The FHA loan limits in North Dakota will go up to $356,362 for a single-family home in 2021. The limit is the same throughout the state, so borrowers are on equal footing for FHA loans regardless of where they choose to buy.

Homebuyers considering a purchase in North Dakota are in luck, thanks to the Federal Housing Administration (FHA) loan program — some North Dakotans can qualify for federally backed loans to help them achieve their dream of homeownership. This year, North Dakota residents will be able to borrow even more to purchase or refinance a home with an FHA loan.

North Dakota FHA loan limits by county

FHA Loan Limits in North Dakota
County Name One-Family Two-Family Three-Family Four-Family Median Sale Price
Adams $356,362 $456,275 $551,500 $685,400 $78,000
Barnes $356,362 $456,275 $551,500 $685,400 $130,000
Benson $356,362 $456,275 $551,500 $685,400 $61,000
Billings $356,362 $456,275 $551,500 $685,400 $235,000
Bottineau $356,362 $456,275 $551,500 $685,400 $155,000
Bowman $356,362 $456,275 $551,500 $685,400 $100,000
Burke $356,362 $456,275 $551,500 $685,400 $47,000
Burleigh $356,362 $456,275 $551,500 $685,400 $275,000
Cass $356,362 $456,275 $551,500 $685,400 $238,000
Cavalier $356,362 $456,275 $551,500 $685,400 $95,000
Dickey $356,362 $456,275 $551,500 $685,400 $65,000
Divide $356,362 $456,275 $551,500 $685,400 $90,000
Dunn $356,362 $456,275 $551,500 $685,400 $151,000
Eddy $356,362 $456,275 $551,500 $685,400 $49,000
Emmons $356,362 $456,275 $551,500 $685,400 $56,000
Foster $356,362 $456,275 $551,500 $685,400 $138,000
Golden Valley $356,362 $456,275 $551,500 $685,400 $93,000
Grand Forks $356,362 $456,275 $551,500 $685,400 $223,000
Grant $356,362 $456,275 $551,500 $685,400 $34,000
Griggs $356,362 $456,275 $551,500 $685,400 $49,000
Hettinger $356,362 $456,275 $551,500 $685,400 $80,000
Kidder $356,362 $456,275 $551,500 $685,400 $117,000
Lamoure $356,362 $456,275 $551,500 $685,400 $46,000
Logan $356,362 $456,275 $551,500 $685,400 $49,000
Mchenry $356,362 $456,275 $551,500 $685,400 $214,000
Mcintosh $356,362 $456,275 $551,500 $685,400 $100,000
Mckenzie $356,362 $456,275 $551,500 $685,400 $253,000
Mclean $356,362 $456,275 $551,500 $685,400 $125,000
Mercer $356,362 $456,275 $551,500 $685,400 $115,000
Morton $356,362 $456,275 $551,500 $685,400 $275,000
Mountrail $356,362 $456,275 $551,500 $685,400 $130,000
Nelson $356,362 $456,275 $551,500 $685,400 $54,000
Oliver $356,362 $456,275 $551,500 $685,400 $275,000
Pembina $356,362 $456,275 $551,500 $685,400 $77,000
Pierce $356,362 $456,275 $551,500 $685,400 $105,000
Ramsey $356,362 $456,275 $551,500 $685,400 $151,000
Ransom $356,362 $456,275 $551,500 $685,400 $115,000
Renville $356,362 $456,275 $551,500 $685,400 $214,000
Richland $356,362 $456,275 $551,500 $685,400 $163,000
Rolette $356,362 $456,275 $551,500 $685,400 $62,000
Sargent $356,362 $456,275 $551,500 $685,400 $109,000
Sheridan $356,362 $456,275 $551,500 $685,400 $54,000
Sioux $356,362 $456,275 $551,500 $685,400 $90,000
Slope $356,362 $456,275 $551,500 $685,400 $103,000
Stark $356,362 $456,275 $551,500 $685,400 $235,000
Steele $356,362 $456,275 $551,500 $685,400 $99,000
Stutsman $356,362 $456,275 $551,500 $685,400 $155,000
Towner $356,362 $456,275 $551,500 $685,400 $75,000
Traill $356,362 $456,275 $551,500 $685,400 $130,000
Walsh $356,362 $456,275 $551,500 $685,400 $90,000

How are FHA loan limits determined?

The U.S. Department of Housing and Urban Development (HUD) sets limits on how expensive a house the FHA will insure in each county in the United States. These limits are set based on the current year’s conforming loan limit — or how large of a mortgage Fannie Mae and Freddie Mac will purchase. In 2021, that conforming limit is $548,250, up roughly $38,000 from 2020’s limit of $510,400.

The FHA “floor” is the largest mortgage the agency will issue in most of the country and is 65% of the conforming loan limit. In 2021, the FHA floor is set at $356,362, an increase of about $24,600 above the 2020 limit of $331,760.

The FHA “ceiling” is a higher limit that only applies to high-cost areas. This is set at 150% of the conforming loan limit, or $822,375 for single-family homes. With a few exceptions, this is generally the largest mortgage amount the agency will insure for a single-family home. In many parts of the country, loan limits fall somewhere between the FHA floor and ceiling.

Outside of the lower 48 states, FHA maximum loan limits are higher because of more expensive construction costs. These include the special exception areas of Alaska, Hawaii, Guam and the U.S. Virgin Islands.

Here are the 2021 standard FHA limits for all property types:

  • One-unit: $356,362
  • Two-unit: $456,275
  • Three-unit: $551,500
  • Four-unit: $685,400

Here are the 2021 standard FHA limits for high-cost areas:

  • One-unit: $822,375
  • Two-unit: $1,053,000
  • Three-unit: $1,272,750
  • Four-unit: $1,581,750

Do you qualify for an FHA loan in North Dakota?

FHA loans are a great deal for qualified buyers, thanks to lower down payments and closing costs. Find out if your credit score and income will help you qualify for one of these loans.

 

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