2026 loan limits in Chisago County, Minnesota
In Chisago County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $552,000.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$552,000High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$572,021Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $552,000 |
| 2 units | $1,066,250 | $706,650 |
| 3 units | $1,288,800 | $854,200 |
| 4 units | $1,601,750 | $1,061,550 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Chisago County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $572,021.
Questions
What is the 2026 conforming loan limit in Chisago County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Chisago County?
$552,000 for a one-unit home.
More for Chisago County
Chisago County property taxesFHA loan limits toolMinnesota closing costsCenter City 55012 market dataChisago City 55013 market dataHarris 55032 market dataLindstrom 55045 market dataNorth Branch 55056 market dataRush City 55069 market dataShafer 55074 market dataStacy 55079 market dataTaylors Falls 55084 market data
2026 limits from HUD’s county files (Minneapolis-St. Paul-Bloomington, Mn-Wi). Conforming limits are set by the Federal Housing Finance Agency.