Michigan 2020 FHA Loan Limits

Last Updated: Tue, August 18, 2020

Loan Limits in Michigan

Michigan has 83 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Alcona County to a high of $638,100 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 ($638,100)
Highest Loan Limit ($638,100)

† 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 $331,760 $638,100 view details »
Alger County $331,760 $638,100 view details »
Allegan County $331,760 $638,100 view details »
Alpena County $331,760 $638,100 view details »
Antrim County $331,760 $638,100 view details »
Arenac County $331,760 $638,100 view details »
Baraga County $331,760 $638,100 view details »
Barry County $331,760 $638,100 view details »
Bay County $331,760 $638,100 view details »
Benzie County $331,760 $638,100 view details »
Berrien County $331,760 $638,100 view details »
Branch County $331,760 $638,100 view details »
Calhoun County $331,760 $638,100 view details »
Cass County $331,760 $638,100 view details »
Charlevoix County $331,760 $638,100 view details »
Cheboygan County $331,760 $638,100 view details »
Chippewa County $331,760 $638,100 view details »
Clare County $331,760 $638,100 view details »
Clinton County $331,760 $638,100 view details »
Crawford County $331,760 $638,100 view details »
Delta County $331,760 $638,100 view details »
Dickinson County $331,760 $638,100 view details »
Eaton County $331,760 $638,100 view details »
Emmet County $331,760 $638,100 view details »
Genesee County $331,760 $638,100 view details »
Gladwin County $331,760 $638,100 view details »
Gogebic County $331,760 $638,100 view details »
Grand Traverse County $331,760 $638,100 view details »
Gratiot County $331,760 $638,100 view details »
Hillsdale County $331,760 $638,100 view details »
Houghton County $331,760 $638,100 view details »
Huron County $331,760 $638,100 view details »
Ingham County $331,760 $638,100 view details »
Ionia County $331,760 $638,100 view details »
Iosco County $331,760 $638,100 view details »
Iron County $331,760 $638,100 view details »
Isabella County $331,760 $638,100 view details »
Jackson County $331,760 $638,100 view details »
Kalamazoo County $331,760 $638,100 view details »
Kalkaska County $331,760 $638,100 view details »
Kent County $331,760 $638,100 view details »
Keweenaw County $331,760 $638,100 view details »
Lake County $331,760 $638,100 view details »
Lapeer County $331,760 $638,100 view details »
Leelanau County $331,760 $638,100 view details »
Lenawee County $331,760 $638,100 view details »
Livingston County $331,760 $638,100 view details »
Luce County $331,760 $638,100 view details »
Mackinac County $331,760 $638,100 view details »
Macomb County $331,760 $638,100 view details »
Manistee County $331,760 $638,100 view details »
Marquette County $331,760 $638,100 view details »
Mason County $331,760 $638,100 view details »
Mecosta County $331,760 $638,100 view details »
Menominee County $331,760 $638,100 view details »
Midland County $331,760 $638,100 view details »
Missaukee County $331,760 $638,100 view details »
Monroe County $331,760 $638,100 view details »
Montcalm County $331,760 $638,100 view details »
Montmorency County $331,760 $638,100 view details »
Muskegon County $331,760 $638,100 view details »
Newaygo County $331,760 $638,100 view details »
Oakland County $331,760 $638,100 view details »
Oceana County $331,760 $638,100 view details »
Ogemaw County $331,760 $638,100 view details »
Ontonagon County $331,760 $638,100 view details »
Osceola County $331,760 $638,100 view details »
Oscoda County $331,760 $638,100 view details »
Otsego County $331,760 $638,100 view details »
Ottawa County $331,760 $638,100 view details »
Presque Isle County $331,760 $638,100 view details »
Roscommon County $331,760 $638,100 view details »
Saginaw County $331,760 $638,100 view details »
St. Clair County $331,760 $638,100 view details »
St. Joseph County $331,760 $638,100 view details »
Sanilac County $331,760 $638,100 view details »
Schoolcraft County $331,760 $638,100 view details »
Shiawassee County $331,760 $638,100 view details »
Tuscola County $331,760 $638,100 view details »
Van Buren County $331,760 $638,100 view details »
Washtenaw County $331,760 $638,100 view details »
Wayne County $331,760 $638,100 view details »
Wexford County $331,760 $638,100 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 2020, the maximum loan limit in Michigan is $331,760 for a single-family home and $638,100 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