Michigan 2019 FHA Loan Limits

Last Updated: Wed, January 2, 2019

Loan Limits in Michigan

Michigan has 83 counties with FHA Limits ranging from a low of $314,827 for a 1-bedroom unit in Alcona County to a high of $608,150 for a 4-bedroom unit in Benzie 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 ($605,525)
Highest Loan Limit ($608,150)

† 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 $314,827 $605,525 view details »
Alger County $314,827 $605,525 view details »
Allegan County $314,827 $605,525 view details »
Alpena County $314,827 $605,525 view details »
Antrim County $314,827 $605,525 view details »
Arenac County $314,827 $605,525 view details »
Baraga County $314,827 $605,525 view details »
Barry County $314,827 $605,525 view details »
Bay County $314,827 $605,525 view details »
Benzie County $316,250 $608,150 view details »
Berrien County $314,827 $605,525 view details »
Branch County $314,827 $605,525 view details »
Calhoun County $314,827 $605,525 view details »
Cass County $314,827 $605,525 view details »
Charlevoix County $314,827 $605,525 view details »
Cheboygan County $314,827 $605,525 view details »
Chippewa County $314,827 $605,525 view details »
Clare County $314,827 $605,525 view details »
Clinton County $314,827 $605,525 view details »
Crawford County $314,827 $605,525 view details »
Delta County $314,827 $605,525 view details »
Dickinson County $314,827 $605,525 view details »
Eaton County $314,827 $605,525 view details »
Emmet County $314,827 $605,525 view details »
Genesee County $314,827 $605,525 view details »
Gladwin County $314,827 $605,525 view details »
Gogebic County $314,827 $605,525 view details »
Grand Traverse County $316,250 $608,150 view details »
Gratiot County $314,827 $605,525 view details »
Hillsdale County $314,827 $605,525 view details »
Houghton County $314,827 $605,525 view details »
Huron County $314,827 $605,525 view details »
Ingham County $314,827 $605,525 view details »
Ionia County $314,827 $605,525 view details »
Iosco County $314,827 $605,525 view details »
Iron County $314,827 $605,525 view details »
Isabella County $314,827 $605,525 view details »
Jackson County $314,827 $605,525 view details »
Kalamazoo County $314,827 $605,525 view details »
Kalkaska County $316,250 $608,150 view details »
Kent County $314,827 $605,525 view details »
Keweenaw County $314,827 $605,525 view details »
Lake County $314,827 $605,525 view details »
Lapeer County $314,827 $605,525 view details »
Leelanau County $316,250 $608,150 view details »
Lenawee County $314,827 $605,525 view details »
Livingston County $314,827 $605,525 view details »
Luce County $314,827 $605,525 view details »
Mackinac County $314,827 $605,525 view details »
Macomb County $314,827 $605,525 view details »
Manistee County $314,827 $605,525 view details »
Marquette County $314,827 $605,525 view details »
Mason County $314,827 $605,525 view details »
Mecosta County $314,827 $605,525 view details »
Menominee County $314,827 $605,525 view details »
Midland County $314,827 $605,525 view details »
Missaukee County $314,827 $605,525 view details »
Monroe County $314,827 $605,525 view details »
Montcalm County $314,827 $605,525 view details »
Montmorency County $314,827 $605,525 view details »
Muskegon County $314,827 $605,525 view details »
Newaygo County $314,827 $605,525 view details »
Oakland County $314,827 $605,525 view details »
Oceana County $314,827 $605,525 view details »
Ogemaw County $314,827 $605,525 view details »
Ontonagon County $314,827 $605,525 view details »
Osceola County $314,827 $605,525 view details »
Oscoda County $314,827 $605,525 view details »
Otsego County $314,827 $605,525 view details »
Ottawa County $314,827 $605,525 view details »
Presque Isle County $314,827 $605,525 view details »
Roscommon County $314,827 $605,525 view details »
Saginaw County $314,827 $605,525 view details »
St. Clair County $314,827 $605,525 view details »
St. Joseph County $314,827 $605,525 view details »
Sanilac County $314,827 $605,525 view details »
Schoolcraft County $314,827 $605,525 view details »
Shiawassee County $314,827 $605,525 view details »
Tuscola County $314,827 $605,525 view details »
Van Buren County $314,827 $605,525 view details »
Washtenaw County $314,827 $605,525 view details »
Wayne County $314,827 $605,525 view details »
Wexford County $314,827 $605,525 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 2019, the maximum loan limit in Michigan is $314,827 for a single-family home and $608,150 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