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South Dakota Mortgage Loans: Refinance, Home Equity, Purchase a Home

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Cost of Funds Index - COFI
The Cost of Funds Index is one of the many interest rate indexes used to determine interest rate adjustments on an adjustable rate mortgages.

First Mortgage (Refinance and Purchase) Conforming Loan Limits:
Effective January 1, 2006

Single Family Residence Two Family Residence Three Family Residence Four Family Residence
$417,000 $533,850 $645,300 $801,950
Mortgage Loan Limits are 50% higher in Alaska, Hawaii, Guam, and the U.S. Virgin Islands are 50 percent higher than the mortgage limits for the rest of the country.

Second Mortgage (HELOC, Second Trust Deed):
$208,500
$312,750 in Alaska, Hawaii, Guam, and the U.S. Virgin Islands

FHA mortgage loan limts by County:
County Single Family 2 Units 3 Units 4 Units
AURORA $200,160 $256,248 $256,248 $309,744
BEADLE $200,160 $256,248 $256,248 $309,744
BENNETT $200,160 $256,248 $256,248 $309,744
BON HOMME $200,160 $256,248 $256,248 $309,744
BROOKINGS $200,160 $256,248 $256,248 $309,744
BROWN $200,160 $256,248 $256,248 $309,744
BRULE $200,160 $256,248 $256,248 $309,744
BUFFALO $200,160 $256,248 $256,248 $309,744
BUTTE $200,160 $256,248 $256,248 $309,744
CAMPBELL $200,160 $256,248 $256,248 $309,744
CHARLES MIX $200,160 $256,248 $256,248 $309,744
CLARK $200,160 $256,248 $256,248 $309,744
CLAY $200,160 $256,248 $256,248 $309,744
CODINGTON $200,160 $256,248 $256,248 $309,744
CORSON $200,160 $256,248 $256,248 $309,744
CUSTER $200,160 $256,248 $256,248 $309,744
DAVISON $200,160 $256,248 $256,248 $309,744
DAY $200,160 $256,248 $256,248 $309,744
DEUEL $200,160 $256,248 $256,248 $309,744
DEWEY $200,160 $256,248 $256,248 $309,744
DOUGLAS $200,160 $256,248 $256,248 $309,744
EDMUNDS $200,160 $256,248 $256,248 $309,744
FALL RIVER $200,160 $256,248 $256,248 $309,744
FAULK $200,160 $256,248 $256,248 $309,744
GRANT $200,160 $256,248 $256,248 $309,744
GREGORY $200,160 $256,248 $256,248 $309,744
HAAKON $200,160 $256,248 $256,248 $309,744
HAMLIN $200,160 $256,248 $256,248 $309,744
HAND $200,160 $256,248 $256,248 $309,744
HANSON $200,160 $256,248 $256,248 $309,744
HARDING $200,160 $256,248 $256,248 $309,744
HUGHES $200,160 $256,248 $256,248 $309,744
HUTCHINSON $200,160 $256,248 $256,248 $309,744
HYDE $200,160 $256,248 $256,248 $309,744
JACKSON $200,160 $256,248 $256,248 $309,744
JERAULD $200,160 $256,248 $256,248 $309,744
JONES $200,160 $256,248 $256,248 $309,744
KINGSBURY $200,160 $256,248 $256,248 $309,744
LAKE $200,160 $256,248 $256,248 $309,744
LAWRENCE $200,160 $256,248 $256,248 $309,744
LINCOLN $200,160 $256,248 $256,248 $309,744
LYMAN $200,160 $256,248 $256,248 $309,744
MARSHALL $200,160 $256,248 $256,248 $309,744
MCCOOK $200,160 $256,248 $256,248 $309,744
MCPHERSON $200,160 $256,248 $256,248 $309,744
MEADE $200,160 $256,248 $256,248 $309,744
MELLETTE $200,160 $256,248 $256,248 $309,744
MINER $200,160 $256,248 $256,248 $309,744
MINNEHAHA $200,160 $256,248 $256,248 $309,744
MOODY $200,160 $256,248 $256,248 $309,744
PENNINGTON $200,160 $256,248 $256,248 $309,744
PERKINS $200,160 $256,248 $256,248 $309,744
POTTER $200,160 $256,248 $256,248 $309,744
ROBERTS $200,160 $256,248 $256,248 $309,744
SANBORN $200,160 $256,248 $256,248 $309,744
SHANNON $200,160 $256,248 $256,248 $309,744
SPINK $200,160 $256,248 $256,248 $309,744
STANLEY $200,160 $256,248 $256,248 $309,744
SULLY $200,160 $256,248 $256,248 $309,744
TODD $200,160 $256,248 $256,248 $309,744
TRIPP $200,160 $256,248 $256,248 $309,744
TURNER $200,160 $256,248 $256,248 $309,744
UNION $200,160 $256,248 $256,248 $309,744
WALWORTH $200,160 $256,248 $256,248 $309,744
YANKTON $200,160 $256,248 $256,248 $309,744
ZIEBACH $200,160 $256,248 $256,248 $309,744