Michigan 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Michigan

Michigan has 83 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Alcona County to a high of $1,008,300 for a 4-bedroom unit in Alcona 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 ($1,008,300) †

Highest Loan Limit ($1,008,300)

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

Loan Limits by County in Michigan (83 counties)

County	Single Unit Limit (lowest)	Four-Plex Limit (highest)
Alcona County	$524,225	$1,008,300	view details »
Alger County	$524,225	$1,008,300	view details »
Allegan County	$524,225	$1,008,300	view details »
Alpena County	$524,225	$1,008,300	view details »
Antrim County	$524,225	$1,008,300	view details »
Arenac County	$524,225	$1,008,300	view details »
Baraga County	$524,225	$1,008,300	view details »
Barry County	$524,225	$1,008,300	view details »
Bay County	$524,225	$1,008,300	view details »
Benzie County	$524,225	$1,008,300	view details »
Berrien County	$524,225	$1,008,300	view details »
Branch County	$524,225	$1,008,300	view details »
Calhoun County	$524,225	$1,008,300	view details »
Cass County	$524,225	$1,008,300	view details »
Charlevoix County	$524,225	$1,008,300	view details »
Cheboygan County	$524,225	$1,008,300	view details »
Chippewa County	$524,225	$1,008,300	view details »
Clare County	$524,225	$1,008,300	view details »
Clinton County	$524,225	$1,008,300	view details »
Crawford County	$524,225	$1,008,300	view details »
Delta County	$524,225	$1,008,300	view details »
Dickinson County	$524,225	$1,008,300	view details »
Eaton County	$524,225	$1,008,300	view details »
Emmet County	$524,225	$1,008,300	view details »
Genesee County	$524,225	$1,008,300	view details »
Gladwin County	$524,225	$1,008,300	view details »
Gogebic County	$524,225	$1,008,300	view details »
Grand Traverse County	$524,225	$1,008,300	view details »
Gratiot County	$524,225	$1,008,300	view details »
Hillsdale County	$524,225	$1,008,300	view details »
Houghton County	$524,225	$1,008,300	view details »
Huron County	$524,225	$1,008,300	view details »
Ingham County	$524,225	$1,008,300	view details »
Ionia County	$524,225	$1,008,300	view details »
Iosco County	$524,225	$1,008,300	view details »
Iron County	$524,225	$1,008,300	view details »
Isabella County	$524,225	$1,008,300	view details »
Jackson County	$524,225	$1,008,300	view details »
Kalamazoo County	$524,225	$1,008,300	view details »
Kalkaska County	$524,225	$1,008,300	view details »
Kent County	$524,225	$1,008,300	view details »
Keweenaw County	$524,225	$1,008,300	view details »
Lake County	$524,225	$1,008,300	view details »
Lapeer County	$524,225	$1,008,300	view details »
Leelanau County	$524,225	$1,008,300	view details »
Lenawee County	$524,225	$1,008,300	view details »
Livingston County	$524,225	$1,008,300	view details »
Luce County	$524,225	$1,008,300	view details »
Mackinac County	$524,225	$1,008,300	view details »
Macomb County	$524,225	$1,008,300	view details »
Manistee County	$524,225	$1,008,300	view details »
Marquette County	$524,225	$1,008,300	view details »
Mason County	$524,225	$1,008,300	view details »
Mecosta County	$524,225	$1,008,300	view details »
Menominee County	$524,225	$1,008,300	view details »
Midland County	$524,225	$1,008,300	view details »
Missaukee County	$524,225	$1,008,300	view details »
Monroe County	$524,225	$1,008,300	view details »
Montcalm County	$524,225	$1,008,300	view details »
Montmorency County	$524,225	$1,008,300	view details »
Muskegon County	$524,225	$1,008,300	view details »
Newaygo County	$524,225	$1,008,300	view details »
Oakland County	$524,225	$1,008,300	view details »
Oceana County	$524,225	$1,008,300	view details »
Ogemaw County	$524,225	$1,008,300	view details »
Ontonagon County	$524,225	$1,008,300	view details »
Osceola County	$524,225	$1,008,300	view details »
Oscoda County	$524,225	$1,008,300	view details »
Otsego County	$524,225	$1,008,300	view details »
Ottawa County	$524,225	$1,008,300	view details »
Presque Isle County	$524,225	$1,008,300	view details »
Roscommon County	$524,225	$1,008,300	view details »
Saginaw County	$524,225	$1,008,300	view details »
St. Clair County	$524,225	$1,008,300	view details »
St. Joseph County	$524,225	$1,008,300	view details »
Sanilac County	$524,225	$1,008,300	view details »
Schoolcraft County	$524,225	$1,008,300	view details »
Shiawassee County	$524,225	$1,008,300	view details »
Tuscola County	$524,225	$1,008,300	view details »
Van Buren County	$524,225	$1,008,300	view details »
Washtenaw County	$524,225	$1,008,300	view details »
Wayne County	$524,225	$1,008,300	view details »
Wexford County	$524,225	$1,008,300	view details »

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. For 2025, the maximum loan limit in Michigan is $524,225 for a single-family home and $1,008,300 for a four-plex. Limits varies by county. 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. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Michigan. Additional restricts apply. Click on the Michigan map above or the table below to see loan limits in your area.

Michigan 2025 FHA Loan Limits

Loan Limits in Michigan

Loan Limits by County in Michigan (83 counties)

How to qualify for an FHA Loan in Michigan?

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