Michigan FHA Loan Limits

Last Updated: Wed, January 2, 2019

Loan Limits in Michigan

Michigan has 83 counties with FHA Limits ranging from a low of $314,827 for a 1-bedroom unit in Alcona County to a high of $608,150 for a 4-bedroom unit in Benzie County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Michigan's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($605,525)
Highest Loan Limit ($608,150)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

How to qualify for an FHA Loan in Michigan?

To qualify for an FHA loan in Michigan, your home loan must be below the local FHA loan limits in your area. The maximum loan limit in Michigan is $608,150 for a 4 living-unit home. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. FHA loans cannot be used for real estate investment purposes or "flipping" homes in Michigan. Click on the Michigan map above or the table below to see loan limits in your area.

Loan Limits by County in Michigan (83)

County Lowest Loan Limit Highest Loan Limit
Alcona County $314,827 $605,525 view loan limits »
Alger County $314,827 $605,525 view loan limits »
Allegan County $314,827 $605,525 view loan limits »
Alpena County $314,827 $605,525 view loan limits »
Antrim County $314,827 $605,525 view loan limits »
Arenac County $314,827 $605,525 view loan limits »
Baraga County $314,827 $605,525 view loan limits »
Barry County $314,827 $605,525 view loan limits »
Bay County $314,827 $605,525 view loan limits »
Benzie County $316,250 $608,150 view loan limits »
Berrien County $314,827 $605,525 view loan limits »
Branch County $314,827 $605,525 view loan limits »
Calhoun County $314,827 $605,525 view loan limits »
Cass County $314,827 $605,525 view loan limits »
Charlevoix County $314,827 $605,525 view loan limits »
Cheboygan County $314,827 $605,525 view loan limits »
Chippewa County $314,827 $605,525 view loan limits »
Clare County $314,827 $605,525 view loan limits »
Clinton County $314,827 $605,525 view loan limits »
Crawford County $314,827 $605,525 view loan limits »
Delta County $314,827 $605,525 view loan limits »
Dickinson County $314,827 $605,525 view loan limits »
Eaton County $314,827 $605,525 view loan limits »
Emmet County $314,827 $605,525 view loan limits »
Genesee County $314,827 $605,525 view loan limits »
Gladwin County $314,827 $605,525 view loan limits »
Gogebic County $314,827 $605,525 view loan limits »
Grand Traverse County $316,250 $608,150 view loan limits »
Gratiot County $314,827 $605,525 view loan limits »
Hillsdale County $314,827 $605,525 view loan limits »
Houghton County $314,827 $605,525 view loan limits »
Huron County $314,827 $605,525 view loan limits »
Ingham County $314,827 $605,525 view loan limits »
Ionia County $314,827 $605,525 view loan limits »
Iosco County $314,827 $605,525 view loan limits »
Iron County $314,827 $605,525 view loan limits »
Isabella County $314,827 $605,525 view loan limits »
Jackson County $314,827 $605,525 view loan limits »
Kalamazoo County $314,827 $605,525 view loan limits »
Kalkaska County $316,250 $608,150 view loan limits »
Kent County $314,827 $605,525 view loan limits »
Keweenaw County $314,827 $605,525 view loan limits »
Lake County $314,827 $605,525 view loan limits »
Lapeer County $314,827 $605,525 view loan limits »
Leelanau County $316,250 $608,150 view loan limits »
Lenawee County $314,827 $605,525 view loan limits »
Livingston County $314,827 $605,525 view loan limits »
Luce County $314,827 $605,525 view loan limits »
Mackinac County $314,827 $605,525 view loan limits »
Macomb County $314,827 $605,525 view loan limits »
Manistee County $314,827 $605,525 view loan limits »
Marquette County $314,827 $605,525 view loan limits »
Mason County $314,827 $605,525 view loan limits »
Mecosta County $314,827 $605,525 view loan limits »
Menominee County $314,827 $605,525 view loan limits »
Midland County $314,827 $605,525 view loan limits »
Missaukee County $314,827 $605,525 view loan limits »
Monroe County $314,827 $605,525 view loan limits »
Montcalm County $314,827 $605,525 view loan limits »
Montmorency County $314,827 $605,525 view loan limits »
Muskegon County $314,827 $605,525 view loan limits »
Newaygo County $314,827 $605,525 view loan limits »
Oakland County $314,827 $605,525 view loan limits »
Oceana County $314,827 $605,525 view loan limits »
Ogemaw County $314,827 $605,525 view loan limits »
Ontonagon County $314,827 $605,525 view loan limits »
Osceola County $314,827 $605,525 view loan limits »
Oscoda County $314,827 $605,525 view loan limits »
Otsego County $314,827 $605,525 view loan limits »
Ottawa County $314,827 $605,525 view loan limits »
Presque Isle County $314,827 $605,525 view loan limits »
Roscommon County $314,827 $605,525 view loan limits »
Saginaw County $314,827 $605,525 view loan limits »
St. Clair County $314,827 $605,525 view loan limits »
St. Joseph County $314,827 $605,525 view loan limits »
Sanilac County $314,827 $605,525 view loan limits »
Schoolcraft County $314,827 $605,525 view loan limits »
Shiawassee County $314,827 $605,525 view loan limits »
Tuscola County $314,827 $605,525 view loan limits »
Van Buren County $314,827 $605,525 view loan limits »
Washtenaw County $314,827 $605,525 view loan limits »
Wayne County $314,827 $605,525 view loan limits »
Wexford County $314,827 $605,525 view loan limits »

** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/michigan