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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.


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