North Dakota 53-County 2026 Conforming ($832,750) and FHA ($541,287) Loan Limits
For a one-unit home in 2026, North Dakota’s baseline conforming mortgage limit is $832,750 in all 53 counties. The FHA floor is…
MARKET RATE DESK
Payment Snapshot
Enter a home price from $1 to $100 million, a down payment from 0–100%, and an interest rate from 0–30%.
Estimated Total Monthly Payment
Principal & Interest$1,593/moEst. Property Tax & Insurance$300/moLoan Amount$252,000
Full Calculator →Snapshot uses annual property tax of 1% of home price and $800/year for homeowners insurance. HOA fees and mortgage insurance are not included; personalize those costs in the full calculator.
Compare Current Mortgage Rates
Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.
How North Dakota Special Assessments Work in Fargo, West Fargo, Horace and Bismarck
Two North Dakota homes with the same price can carry very different monthly obligations because of special assessments. In Fargo,…
Loan Programs & Buyer Guides
North Dakota VA Home Loans: Minot & Grand Forks AFB BAH and Disabled Veteran Tax Credits
For eligible buyers assigned to Minot Air Force Base or Grand Forks Air Force Base, a VA mortgage can reduce the upfront cash…
FHA vs Conventional Loans in North Dakota: Frost Heave, Sump Pumps, Radon and Appraisals
A basement crack in Grand Forks or a constantly running sump pump in West Fargo deserves investigation before you choose a…
Underwriting & Qualification
USDA Zero-Down Rural Mortgages and Bank of North Dakota Rural Community Loan Programs
Buying outside North Dakota’s larger cities can open financing options that a Fargo house may not qualify for. USDA mortgages can…
Financing North Dakota Twin Homes, Bi-Levels and Condos: Zero-Lot-Line vs HOA Rules
Two attached homes in West Fargo can look identical from the street yet require different mortgage reviews. One may be a fee-simple…
Grand Forks Mortgage Hub: Grand Forks AFB VA Loans, UND Corridor and Flood Diversion
Grand Forks buyers often organize their search around Grand Forks AFB, the University of North Dakota or access to established city…
Minot and Ward County Mortgage Hub: Minot AFB VA Entitlement, FHA and NDHFA Loans
Buying in Minot means balancing the home itself with access to Minot AFB, city employment and the practical costs of northern North…
Refinance, Home Equity & HELOC Desk
North Dakota HELOC, Home Equity Loans and Rate-and-Term Refinance Breakeven Math
A Bismarck homeowner planning a basement renovation may need access to equity without replacing an attractive first mortgage. A…
Rates, APR & Closing Costs Desk
North Dakota $500 Primary Residence Tax Credit, Feb 15 Discounts and Escrow Math
A property tax benefit and a lower mortgage payment are not always simultaneous. North Dakota’s $500 annual Primary Residence…
Red River Valley Flood Zones, FM Area Diversion LOMAs and Flood Insurance Escrows
A Fargo-area listing described as protected by diversion should still receive an address-specific flood review. Construction…
West Fargo and Horace Mortgages: New Construction Specials, Twin Homes and Escrows
Shopping in West Fargo, Horace, Mapleton or Harwood often means comparing a finished resale with a newly built home whose final tax…
Mandan and Lincoln Home Loans: Morton vs Burleigh County Property Taxes and Specials
Mandan and Lincoln can both serve a Bismarck-area commute, but they belong to different property-tax settings: Mandan is in Morton…
Regional Real Estate & Surrounding Communities
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Monthly Mortgage Payment Calculator
Calculate your total monthly PITI payment including principal, interest, property taxes, homeowners insurance, and PMI.
Launch Tool →Home Equity & HELOC Calculator
Estimate your available borrowing power and combined loan-to-value (CLTV) ratio for a home equity loan or HELOC.
Launch Tool →Mortgage Refinance Savings Calculator
Compare your current mortgage against today's rates to estimate monthly payment savings and lifetime interest reduction.
Launch Tool →Closing Cost Estimator
Itemize estimated lender origination fees, title insurance, appraisal charges, and prepaid tax and insurance escrow reserves.
Launch Tool →Mortgage Amortization Schedule Calculator
View your year-by-year principal and interest payoff breakdown and see how extra monthly payments shorten your loan term.
Launch Tool →ARM vs. Fixed-Rate Mortgage Calculator
Compare initial adjustable-rate payments and future rate caps against the stability of a 30-year fixed loan.
Launch Tool →1. Compare Live Rates & APRs
Review current interest rates, APRs, upfront points, and estimated monthly payments from participating lenders in our live rate table.
2. Estimate Your Full Monthly Payment
Use our free PITI, closing cost, and home equity calculators to model property taxes, homeowners insurance, and down payment scenarios.
3. Choose the Right Loan Program
Compare Conventional, FHA, VA, USDA, and state down payment assistance requirements before locking your rate with a lender.
Loan Program Comparison: 2026 Benchmarks
Roughrider Reason Mortgage Planning — Choose a mortgage by comparing eligibility, upfront cash and total monthly costs, not the advertised rate alone. Conventional, FHA, VA and USDA serve different borrowers. Confirm county limits, taxes, insurance and lender requirements before comparing personalized Loan Estimates for your household.
Historical 2025 one-unit comparison: conforming $832,750; FHA floor $541,287. County and unit-count limits can differ.
| Loan program | Down payment / equity | 2026 one-unit baseline | Costs and page-specific comparison |
|---|---|---|---|
| Conventional | 3%–5% subject to eligibility | $832,750 | PMI generally below 20% down |
| FHA | 3.5% at 580+; 10% at 500–579 | $541,287 floor | 1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years |
| VA | 0% for eligible borrowers | No VA limit with full entitlement | No monthly PMI; funding fee unless exempt |
| USDA | 0% for eligible borrowers | Income, address and repayment eligibility | Guarantee and annual fees; confirm current schedule |
| Jumbo | Lender-specific cash and reserves | Above applicable conforming limit | Lender-specific pricing and insurance |
| Home Equity / Refinance | Equity and underwriting dependent | Property and lender dependent | Compare closing costs, term and break-even |
Sources: FHFA limits; HUD FHA limits.
Editorial Methodology & Primary Sources
Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.
Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.
Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)−n), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.
- Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
- U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
- U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
- U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.
- North Dakota Housing Finance Agency — state housing finance and property tax authority.
- North Dakota Office of State Tax Commissioner — state housing finance and property tax authority.
The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.