Michigan 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Michigan

Michigan has 83 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Alcona County to a high of $685,400 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 ($685,400)
Highest Loan Limit ($685,400)

† 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 $356,362 $685,400 view details »
Alger County $356,362 $685,400 view details »
Allegan County $356,362 $685,400 view details »
Alpena County $356,362 $685,400 view details »
Antrim County $356,362 $685,400 view details »
Arenac County $356,362 $685,400 view details »
Baraga County $356,362 $685,400 view details »
Barry County $356,362 $685,400 view details »
Bay County $356,362 $685,400 view details »
Benzie County $356,362 $685,400 view details »
Berrien County $356,362 $685,400 view details »
Branch County $356,362 $685,400 view details »
Calhoun County $356,362 $685,400 view details »
Cass County $356,362 $685,400 view details »
Charlevoix County $356,362 $685,400 view details »
Cheboygan County $356,362 $685,400 view details »
Chippewa County $356,362 $685,400 view details »
Clare County $356,362 $685,400 view details »
Clinton County $356,362 $685,400 view details »
Crawford County $356,362 $685,400 view details »
Delta County $356,362 $685,400 view details »
Dickinson County $356,362 $685,400 view details »
Eaton County $356,362 $685,400 view details »
Emmet County $356,362 $685,400 view details »
Genesee County $356,362 $685,400 view details »
Gladwin County $356,362 $685,400 view details »
Gogebic County $356,362 $685,400 view details »
Grand Traverse County $356,362 $685,400 view details »
Gratiot County $356,362 $685,400 view details »
Hillsdale County $356,362 $685,400 view details »
Houghton County $356,362 $685,400 view details »
Huron County $356,362 $685,400 view details »
Ingham County $356,362 $685,400 view details »
Ionia County $356,362 $685,400 view details »
Iosco County $356,362 $685,400 view details »
Iron County $356,362 $685,400 view details »
Isabella County $356,362 $685,400 view details »
Jackson County $356,362 $685,400 view details »
Kalamazoo County $356,362 $685,400 view details »
Kalkaska County $356,362 $685,400 view details »
Kent County $356,362 $685,400 view details »
Keweenaw County $356,362 $685,400 view details »
Lake County $356,362 $685,400 view details »
Lapeer County $356,362 $685,400 view details »
Leelanau County $356,362 $685,400 view details »
Lenawee County $356,362 $685,400 view details »
Livingston County $356,362 $685,400 view details »
Luce County $356,362 $685,400 view details »
Mackinac County $356,362 $685,400 view details »
Macomb County $356,362 $685,400 view details »
Manistee County $356,362 $685,400 view details »
Marquette County $356,362 $685,400 view details »
Mason County $356,362 $685,400 view details »
Mecosta County $356,362 $685,400 view details »
Menominee County $356,362 $685,400 view details »
Midland County $356,362 $685,400 view details »
Missaukee County $356,362 $685,400 view details »
Monroe County $356,362 $685,400 view details »
Montcalm County $356,362 $685,400 view details »
Montmorency County $356,362 $685,400 view details »
Muskegon County $356,362 $685,400 view details »
Newaygo County $356,362 $685,400 view details »
Oakland County $356,362 $685,400 view details »
Oceana County $356,362 $685,400 view details »
Ogemaw County $356,362 $685,400 view details »
Ontonagon County $356,362 $685,400 view details »
Osceola County $356,362 $685,400 view details »
Oscoda County $356,362 $685,400 view details »
Otsego County $356,362 $685,400 view details »
Ottawa County $356,362 $685,400 view details »
Presque Isle County $356,362 $685,400 view details »
Roscommon County $356,362 $685,400 view details »
Saginaw County $356,362 $685,400 view details »
St. Clair County $356,362 $685,400 view details »
St. Joseph County $356,362 $685,400 view details »
Sanilac County $356,362 $685,400 view details »
Schoolcraft County $356,362 $685,400 view details »
Shiawassee County $356,362 $685,400 view details »
Tuscola County $356,362 $685,400 view details »
Van Buren County $356,362 $685,400 view details »
Washtenaw County $356,362 $685,400 view details »
Wayne County $356,362 $685,400 view details »
Wexford County $356,362 $685,400 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 2021, the maximum loan limit in Michigan is $356,362 for a single-family home and $685,400 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