FHA Loan Limits in Michigan (MI)

Regardless of whether you live in the Upper Peninsula or Lower Peninsula region of Michigan, FHA loans can be a great financing option if you are purchasing or refinancing a home. You will definitely want to look into which FHA programs might apply to your situation before deciding on which mortgage offer to accept.

FHA mortage and refinance loans are insured by the federal government. The lenders who offer these loans loosen their credit guidelines so that more individuals can qualify because of the assurance that the federal government will step in to help should a borrower default on their loan. Down payment requirements on FHA loans are typically very low as well, many as low as 3.5%.

The maximum loan amount that you can borrow via FHA loan programs can vary drastically depending on the Michigan county in which you live. They are based on the median home prices in each county. They also vary depending on the number of living units on the property. Use the table below to determine the FHA loan limits that apply to your MI county.

Michigan FHA Loan Limits by County

Michigan County: Alcona

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Alger

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Allegan

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Alpena

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Antrim

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Arenac

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Baraga

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Barry

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Bay

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Benzie

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Berrien

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	298750	382450	462300	574500

 

Michigan County: Branch

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Calhoun

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Cass

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Charlevoix

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Cheboygan

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Chippewa

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Clare

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Clinton

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Crawford

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Delta

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Dickinson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Eaton

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Emmet

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Genesee

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Gladwin

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Gogebic

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Grand Traverse

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Gratiot

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Hillsdale

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Houghton

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Huron

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Ingham

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Ionia

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Iosco

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Iron

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Isabella

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Jackson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Kalamazoo

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	286250	366450	442950	550450

 

Michigan County: Kalkaska

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Kent

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Keweenaw

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Lake

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Lapeer

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	297500	380850	460350	572100

 

Michigan County: Leelanau

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Lenawee

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	297500	380850	460350	572100

 

Michigan County: Livingston

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	297500	380850	460350	572100

 

Michigan County: Luce

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Mackinac

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Macomb

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	297500	380850	460350	572100

 

Michigan County: Manistee

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Marquette

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Mason

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Mecosta

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Menominee

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Midland

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Missaukee

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Monroe

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	297500	380850	460350	572100

 

Michigan County: Montcalm

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Montmorency

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Muskegon

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Newaygo

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Oakland

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	297500	380850	460350	572100

 

Michigan County: Oceana

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Ogemaw

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Ontonagon

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Osceola

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Oscoda

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Otsego

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Ottawa

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Presque Isle

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Roscommon

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Saginaw

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: St. Clair

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	297500	380850	460350	572100

 

Michigan County: St. Joseph

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Sanilac

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Schoolcraft

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Shiawassee

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Tuscola

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Michigan County: Van Buren

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	286250	366450	442950	550450

 

Michigan County: Washtenaw

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	345000	441650	533850	663450

 

Michigan County: Wayne

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	297500	380850	460350	572100

 

Michigan County: Wexford

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250