VA loans in Minneapolis.
Minneapolis buyers can read the city's Truth in Sale of Housing report and match the listing against the city's address-level property records. The Hennepin County figure on this page is a county reference only, not an address-based lookup for Minneapolis. Confirm the property's county, and which local offices serve the address, before relying on it.
Hennepin County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Hennepin County (FIPS 27053)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Hennepin County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Minneapolis. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionRead the Minneapolis TISH report before planning repairs
For a Minneapolis home, ask for the property's Truth in Sale of Housing report early in your review. The city lists single-family houses, duplexes, townhouses and first-time condominium conversions among the properties covered by its TISH process, with specific exceptions for certain city certificates. Read the findings alongside the seller's repair information and ask which required items remain open. Minneapolis provides separate guidance for reinspections and an acknowledgement form when a buyer accepts repair responsibility. Before agreeing to that responsibility, ask your real estate team and lender how the proposed work and timing fit the purchase. Keep the report, repair estimates and any reinspection records together so everyone works from the same property-specific information.
Match the listing to Minneapolis property records
Use Minneapolis Property Information Search to check the exact address and parcel number before comparing homes or preparing questions for the seller. The city recommends a simple street number and street name search. Its records include building and zoning information, sales history, inspections, licenses, assessed values and links to Hennepin County property tax information. For a duplex or a property advertised with rental space, review the rental and licensing tabs and ask the city about any unclear classification. Compare those records with the rooms and improvements described in the listing. Save the relevant records and current tax information for your lender; a seller's advertised monthly payment does not show all the details available in these local records.
- FHFA — Conforming loan limit values
- City of Minneapolis — Truth in Sale of Housing
- City of Minneapolis — Property Information Search
- VA — Home loan entitlement and limits
Sources checked 2026-10-10. Educational information only, not legal, tax or underwriting advice.
Owner-occupied 2–4 units are eligible.
VA allows purchases up to four units as long as you occupy one of them. Whether any projected rental income counts toward your qualifying ratios is a lender and VA underwriting decision, not an automatic allowance. The one-unit county value above is still the figure used in entitlement calculations on a 2–4 unit property.
Run the house-hack calculatorVA loan programs available in MN.
$0 down in Minneapolis. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of MN veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Minneapolis, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Minneapolis purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Minneapolis — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Minneapolis is Hennepin County (FIPS 27053), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Minneapolis with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Minneapolis — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.