Michigan 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Michigan

Michigan has 83 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Alcona County to a high of $907,900 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 ($907,900) †

Highest Loan Limit ($907,900)

† 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	$472,030	$907,900	view details »
Alger County	$472,030	$907,900	view details »
Allegan County	$472,030	$907,900	view details »
Alpena County	$472,030	$907,900	view details »
Antrim County	$472,030	$907,900	view details »
Arenac County	$472,030	$907,900	view details »
Baraga County	$472,030	$907,900	view details »
Barry County	$472,030	$907,900	view details »
Bay County	$472,030	$907,900	view details »
Benzie County	$472,030	$907,900	view details »
Berrien County	$472,030	$907,900	view details »
Branch County	$472,030	$907,900	view details »
Calhoun County	$472,030	$907,900	view details »
Cass County	$472,030	$907,900	view details »
Charlevoix County	$472,030	$907,900	view details »
Cheboygan County	$472,030	$907,900	view details »
Chippewa County	$472,030	$907,900	view details »
Clare County	$472,030	$907,900	view details »
Clinton County	$472,030	$907,900	view details »
Crawford County	$472,030	$907,900	view details »
Delta County	$472,030	$907,900	view details »
Dickinson County	$472,030	$907,900	view details »
Eaton County	$472,030	$907,900	view details »
Emmet County	$472,030	$907,900	view details »
Genesee County	$472,030	$907,900	view details »
Gladwin County	$472,030	$907,900	view details »
Gogebic County	$472,030	$907,900	view details »
Grand Traverse County	$472,030	$907,900	view details »
Gratiot County	$472,030	$907,900	view details »
Hillsdale County	$472,030	$907,900	view details »
Houghton County	$472,030	$907,900	view details »
Huron County	$472,030	$907,900	view details »
Ingham County	$472,030	$907,900	view details »
Ionia County	$472,030	$907,900	view details »
Iosco County	$472,030	$907,900	view details »
Iron County	$472,030	$907,900	view details »
Isabella County	$472,030	$907,900	view details »
Jackson County	$472,030	$907,900	view details »
Kalamazoo County	$472,030	$907,900	view details »
Kalkaska County	$472,030	$907,900	view details »
Kent County	$472,030	$907,900	view details »
Keweenaw County	$472,030	$907,900	view details »
Lake County	$472,030	$907,900	view details »
Lapeer County	$472,030	$907,900	view details »
Leelanau County	$472,030	$907,900	view details »
Lenawee County	$472,030	$907,900	view details »
Livingston County	$472,030	$907,900	view details »
Luce County	$472,030	$907,900	view details »
Mackinac County	$472,030	$907,900	view details »
Macomb County	$472,030	$907,900	view details »
Manistee County	$472,030	$907,900	view details »
Marquette County	$472,030	$907,900	view details »
Mason County	$472,030	$907,900	view details »
Mecosta County	$472,030	$907,900	view details »
Menominee County	$472,030	$907,900	view details »
Midland County	$472,030	$907,900	view details »
Missaukee County	$472,030	$907,900	view details »
Monroe County	$472,030	$907,900	view details »
Montcalm County	$472,030	$907,900	view details »
Montmorency County	$472,030	$907,900	view details »
Muskegon County	$472,030	$907,900	view details »
Newaygo County	$472,030	$907,900	view details »
Oakland County	$472,030	$907,900	view details »
Oceana County	$472,030	$907,900	view details »
Ogemaw County	$472,030	$907,900	view details »
Ontonagon County	$472,030	$907,900	view details »
Osceola County	$472,030	$907,900	view details »
Oscoda County	$472,030	$907,900	view details »
Otsego County	$472,030	$907,900	view details »
Ottawa County	$472,030	$907,900	view details »
Presque Isle County	$472,030	$907,900	view details »
Roscommon County	$472,030	$907,900	view details »
Saginaw County	$472,030	$907,900	view details »
St. Clair County	$472,030	$907,900	view details »
St. Joseph County	$472,030	$907,900	view details »
Sanilac County	$472,030	$907,900	view details »
Schoolcraft County	$472,030	$907,900	view details »
Shiawassee County	$472,030	$907,900	view details »
Tuscola County	$472,030	$907,900	view details »
Van Buren County	$472,030	$907,900	view details »
Washtenaw County	$472,030	$907,900	view details »
Wayne County	$472,030	$907,900	view details »
Wexford County	$472,030	$907,900	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 2023, the maximum loan limit in Michigan is $472,030 for a single-family home and $907,900 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 2023 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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