Michigan 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Michigan

Michigan has 83 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Alcona County to a high of $809,150 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 ($809,150)
Highest Loan Limit ($809,150)

† 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 $420,680 $809,150 view details »
Alger County $420,680 $809,150 view details »
Allegan County $420,680 $809,150 view details »
Alpena County $420,680 $809,150 view details »
Antrim County $420,680 $809,150 view details »
Arenac County $420,680 $809,150 view details »
Baraga County $420,680 $809,150 view details »
Barry County $420,680 $809,150 view details »
Bay County $420,680 $809,150 view details »
Benzie County $420,680 $809,150 view details »
Berrien County $420,680 $809,150 view details »
Branch County $420,680 $809,150 view details »
Calhoun County $420,680 $809,150 view details »
Cass County $420,680 $809,150 view details »
Charlevoix County $420,680 $809,150 view details »
Cheboygan County $420,680 $809,150 view details »
Chippewa County $420,680 $809,150 view details »
Clare County $420,680 $809,150 view details »
Clinton County $420,680 $809,150 view details »
Crawford County $420,680 $809,150 view details »
Delta County $420,680 $809,150 view details »
Dickinson County $420,680 $809,150 view details »
Eaton County $420,680 $809,150 view details »
Emmet County $420,680 $809,150 view details »
Genesee County $420,680 $809,150 view details »
Gladwin County $420,680 $809,150 view details »
Gogebic County $420,680 $809,150 view details »
Grand Traverse County $420,680 $809,150 view details »
Gratiot County $420,680 $809,150 view details »
Hillsdale County $420,680 $809,150 view details »
Houghton County $420,680 $809,150 view details »
Huron County $420,680 $809,150 view details »
Ingham County $420,680 $809,150 view details »
Ionia County $420,680 $809,150 view details »
Iosco County $420,680 $809,150 view details »
Iron County $420,680 $809,150 view details »
Isabella County $420,680 $809,150 view details »
Jackson County $420,680 $809,150 view details »
Kalamazoo County $420,680 $809,150 view details »
Kalkaska County $420,680 $809,150 view details »
Kent County $420,680 $809,150 view details »
Keweenaw County $420,680 $809,150 view details »
Lake County $420,680 $809,150 view details »
Lapeer County $420,680 $809,150 view details »
Leelanau County $420,680 $809,150 view details »
Lenawee County $420,680 $809,150 view details »
Livingston County $420,680 $809,150 view details »
Luce County $420,680 $809,150 view details »
Mackinac County $420,680 $809,150 view details »
Macomb County $420,680 $809,150 view details »
Manistee County $420,680 $809,150 view details »
Marquette County $420,680 $809,150 view details »
Mason County $420,680 $809,150 view details »
Mecosta County $420,680 $809,150 view details »
Menominee County $420,680 $809,150 view details »
Midland County $420,680 $809,150 view details »
Missaukee County $420,680 $809,150 view details »
Monroe County $420,680 $809,150 view details »
Montcalm County $420,680 $809,150 view details »
Montmorency County $420,680 $809,150 view details »
Muskegon County $420,680 $809,150 view details »
Newaygo County $420,680 $809,150 view details »
Oakland County $420,680 $809,150 view details »
Oceana County $420,680 $809,150 view details »
Ogemaw County $420,680 $809,150 view details »
Ontonagon County $420,680 $809,150 view details »
Osceola County $420,680 $809,150 view details »
Oscoda County $420,680 $809,150 view details »
Otsego County $420,680 $809,150 view details »
Ottawa County $420,680 $809,150 view details »
Presque Isle County $420,680 $809,150 view details »
Roscommon County $420,680 $809,150 view details »
Saginaw County $420,680 $809,150 view details »
St. Clair County $420,680 $809,150 view details »
St. Joseph County $420,680 $809,150 view details »
Sanilac County $420,680 $809,150 view details »
Schoolcraft County $420,680 $809,150 view details »
Shiawassee County $420,680 $809,150 view details »
Tuscola County $420,680 $809,150 view details »
Van Buren County $420,680 $809,150 view details »
Washtenaw County $420,680 $809,150 view details »
Wayne County $420,680 $809,150 view details »
Wexford County $420,680 $809,150 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 2022, the maximum loan limit in Michigan is $420,680 for a single-family home and $809,150 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.


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