Duluth, MN loan limits: 2026 conforming and FHA context

The local figures answer the first question: Duluth, MN is connected to St. For borrower planning, Louis County for this 2026 source comparison. The published one-unit conforming limit is $832,750, while the published one-unit FHA limit is $541,287. Those figures organize different program categories; $832,750 is not a conventional loan offer, and $541,287 is not an FHA eligibility finding. For Duluth, MN, starting with St. Louis County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in Duluth, MN still need to confirm the selected property's location and legal unit count, because the relevant St. Louis County row follows the property in place of the city label or mailing address alone. Around Duluth, MN, mailing cities and ZIP codes can cross county boundaries, so the official property jurisdiction should be verified instead of inferred from a familiar place name. Keep St. Louis County as Duluth, MN's confirmed county row before comparing the $832,750 and $541,287 program boundaries.

St. In practical terms, Louis County's conforming limit rises from $832,750 for one unit to $1,601,750 for four units, while the FHA figures move from $541,287 to $1,041,125. The higher $1,601,750 and $1,041,125 amounts apply to the published four-unit category; they do not apply to a one-unit home merely because a borrower wants a larger loan. In Duluth, MN, a legal unit count should be verified from reliable property information before a multi-unit limit is used. The $1,601,750 and $1,041,125 ceilings do not resolve occupancy, appraisal, rental-income treatment, reserves, or other multi-unit program rules, so the amount in the table is only one part of the product discussion.