Michigan 2024 FHA Loan Limits

Last Updated: Tue, January 2, 2024

Loan Limits in Michigan

Michigan has 83 counties with FHA Limits ranging from a low of $498,257 for a 1-bedroom unit in Alcona County to a high of $958,350 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 ($958,350)
Highest Loan Limit ($958,350)

† 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 $498,257 $958,350 view details »
Alger County $498,257 $958,350 view details »
Allegan County $498,257 $958,350 view details »
Alpena County $498,257 $958,350 view details »
Antrim County $498,257 $958,350 view details »
Arenac County $498,257 $958,350 view details »
Baraga County $498,257 $958,350 view details »
Barry County $498,257 $958,350 view details »
Bay County $498,257 $958,350 view details »
Benzie County $498,257 $958,350 view details »
Berrien County $498,257 $958,350 view details »
Branch County $498,257 $958,350 view details »
Calhoun County $498,257 $958,350 view details »
Cass County $498,257 $958,350 view details »
Charlevoix County $498,257 $958,350 view details »
Cheboygan County $498,257 $958,350 view details »
Chippewa County $498,257 $958,350 view details »
Clare County $498,257 $958,350 view details »
Clinton County $498,257 $958,350 view details »
Crawford County $498,257 $958,350 view details »
Delta County $498,257 $958,350 view details »
Dickinson County $498,257 $958,350 view details »
Eaton County $498,257 $958,350 view details »
Emmet County $498,257 $958,350 view details »
Genesee County $498,257 $958,350 view details »
Gladwin County $498,257 $958,350 view details »
Gogebic County $498,257 $958,350 view details »
Grand Traverse County $498,257 $958,350 view details »
Gratiot County $498,257 $958,350 view details »
Hillsdale County $498,257 $958,350 view details »
Houghton County $498,257 $958,350 view details »
Huron County $498,257 $958,350 view details »
Ingham County $498,257 $958,350 view details »
Ionia County $498,257 $958,350 view details »
Iosco County $498,257 $958,350 view details »
Iron County $498,257 $958,350 view details »
Isabella County $498,257 $958,350 view details »
Jackson County $498,257 $958,350 view details »
Kalamazoo County $498,257 $958,350 view details »
Kalkaska County $498,257 $958,350 view details »
Kent County $498,257 $958,350 view details »
Keweenaw County $498,257 $958,350 view details »
Lake County $498,257 $958,350 view details »
Lapeer County $498,257 $958,350 view details »
Leelanau County $498,257 $958,350 view details »
Lenawee County $498,257 $958,350 view details »
Livingston County $498,257 $958,350 view details »
Luce County $498,257 $958,350 view details »
Mackinac County $498,257 $958,350 view details »
Macomb County $498,257 $958,350 view details »
Manistee County $498,257 $958,350 view details »
Marquette County $498,257 $958,350 view details »
Mason County $498,257 $958,350 view details »
Mecosta County $498,257 $958,350 view details »
Menominee County $498,257 $958,350 view details »
Midland County $498,257 $958,350 view details »
Missaukee County $498,257 $958,350 view details »
Monroe County $498,257 $958,350 view details »
Montcalm County $498,257 $958,350 view details »
Montmorency County $498,257 $958,350 view details »
Muskegon County $498,257 $958,350 view details »
Newaygo County $498,257 $958,350 view details »
Oakland County $498,257 $958,350 view details »
Oceana County $498,257 $958,350 view details »
Ogemaw County $498,257 $958,350 view details »
Ontonagon County $498,257 $958,350 view details »
Osceola County $498,257 $958,350 view details »
Oscoda County $498,257 $958,350 view details »
Otsego County $498,257 $958,350 view details »
Ottawa County $498,257 $958,350 view details »
Presque Isle County $498,257 $958,350 view details »
Roscommon County $498,257 $958,350 view details »
Saginaw County $498,257 $958,350 view details »
St. Clair County $498,257 $958,350 view details »
St. Joseph County $498,257 $958,350 view details »
Sanilac County $498,257 $958,350 view details »
Schoolcraft County $498,257 $958,350 view details »
Shiawassee County $498,257 $958,350 view details »
Tuscola County $498,257 $958,350 view details »
Van Buren County $498,257 $958,350 view details »
Washtenaw County $498,257 $958,350 view details »
Wayne County $498,257 $958,350 view details »
Wexford County $498,257 $958,350 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 2024, the maximum loan limit in Michigan is $498,257 for a single-family home and $958,350 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