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2026 FHA Loan Limits in Michigan
Backed by the Federal Housing Administration, FHA loans help make homeownership accessible to Michigan homebuyers with less-than-perfect credit or limited down payment savings.
Although FHA loans have flexible qualifications, they do come with maximum loan amounts. In 2026, the FHA loan limit in all of Michigan’s counties is $541,287 for a single-family home.
Michigan FHA loan limits by county
Michigan single-family FHA loan limits
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ALCONA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| ALGER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $155,000 |
| ALLEGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $270,000 |
| ALPENA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $147,000 |
| ANTRIM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $177,000 |
| ARENAC COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $128,000 |
| BARAGA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $122,000 |
| BARRY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $365,000 |
| BAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| BENZIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $435,000 |
| BERRIEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $205,000 |
| BRANCH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| CALHOUN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| CASS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $195,000 |
| CHARLEVOIX COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $398,000 |
| CHEBOYGAN COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $320,000 |
| CHIPPEWA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| CLARE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $106,000 |
| CLINTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $270,000 |
| CRAWFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| DELTA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $133,000 |
| DICKINSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| EATON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $270,000 |
| EMMET COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $275,000 |
| GENESEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| GLADWIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| GOGEBIC COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| GRAND TRAVERSE | $541,287 | $693,050 | $837,700 | $1,041,125 | $435,000 |
| GRATIOT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| HILLSDALE COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $160,000 |
| HOUGHTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $148,000 |
| HURON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $193,000 |
| INGHAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $270,000 |
| IONIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $365,000 |
| IOSCO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| IRON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $90,000 |
| ISABELLA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $186,000 |
| JACKSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $185,000 |
| KALAMAZOO COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $240,000 |
| KALKASKA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $435,000 |
| KENT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $365,000 |
| KEWEENAW COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $148,000 |
| LAKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $86,000 |
| LAPEER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $362,000 |
| LEELANAU COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $435,000 |
| LENAWEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| LIVINGSTON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $362,000 |
| LUCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $99,000 |
| MACKINAC COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $230,000 |
| MACOMB COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $362,000 |
| MANISTEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| MARQUETTE COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $210,000 |
| MASON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $190,000 |
| MECOSTA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $189,000 |
| MENOMINEE COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| MIDLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| MISSAUKEE COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $171,000 |
| MONROE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $230,000 |
| MONTCALM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $365,000 |
| MONTMORENCY COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $123,000 |
| MUSKEGON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| NEWAYGO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $178,000 |
| OAKLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $362,000 |
| OCEANA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $161,000 |
| OGEMAW COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| ONTONAGON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $78,000 |
| OSCEOLA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $236,000 |
| OSCODA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $102,000 |
| OTSEGO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $304,000 |
| OTTAWA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $365,000 |
| PRESQUE ISLE CO | $541,287 | $693,050 | $837,700 | $1,041,125 | $122,000 |
| ROSCOMMON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $168,000 |
| SAGINAW COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $155,000 |
| SANILAC COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $160,000 |
| SCHOOLCRAFT COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $173,000 |
| SHIAWASSEE COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $168,000 |
| ST. CLAIR COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $362,000 |
| ST. JOSEPH COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $178,000 |
| TUSCOLA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $151,000 |
| VAN BUREN COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| WASHTENAW COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $385,000 |
| WAYNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $362,000 |
| WEXFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $171,000 |
How much is your home purchase price?
$400,000
How are FHA loan limits determined?
The Federal Housing Administration establishes FHA loan limits by property type and location. These limits are established based on median home prices in each county and are calculated as a specific percentage of the national conforming loan limits.
FHA loan limits have two categories:
- The “floor” (65% of the national conforming loan limit): This is the lowest FHA loan limit and is in effect in most U.S. counties and metro areas. The 2026 FHA “floor” is $541,287 for a single-family home.
-
The “ceiling” (150% of national conforming loan limit): This reflects the highest FHA loan limit
and applies to more expensive metro areas. The 2026 FHA “ceiling” is $1,249,125 for a single-family home. Many counties in the country have loan limits between the floor and ceiling.Some special exception areas outside the continental United States — like Hawaii, Alaska or the U.S. Virgin Islands — may have higher loan limits.
The 2026 FHA loan limit for a single-family home in all Michigan counties is $541,287. Although all of Michigan must abide by the FHA’s lowest limit, it’s above the median home price in even the state’s most expensive counties.
How to qualify for an FHA loan in Michigan
When taking out an FHA loan, you won’t borrow directly from the government. Instead, you’ll apply for your mortgage with an FHA-approved lender who will confirm you meet these FHA loan requirements:
- Minimum down payment: The minimum down payment for an FHA loan is 3.5%, with a 580 credit score or higher (10% for credit scores between 500 and 579).
- Minimum credit score: You can qualify for an FHA loan with a credit score as low as 500, though you’ll need to put down at least 10%. To take advantage of the 3.5% down payment, you’ll need a minimum 580 credit score.
- Maximum DTI ratio: The maximum debt-to-income (DTI) ratio (the sum of your monthly debt payments divided by your monthly pretax income) is generally 43%. However, lenders may allow higher ratios.
- Mortgage insurance: You’ll pay an upfront FHA mortgage insurance premium of 1.75% of the loan amount (typically financed with the mortgage principal) and an annual mortgage insurance premium of 0.15% to 0.75% of the loan amount (spread across your monthly mortgage payments).
- Occupancy: You must live in the property as your primary home for at least one year.
- Income and employment history: FHA loans don’t have income restrictions; however, lenders look for at least two years of stable employment and recurring income.
- Home appraisal: Your lender will require an FHA appraisal to verify the home’s value and confirm it meets FHA property standards.
- Cash reserves: You may need to show that you have cash reserves that can cover at least one month’s mortgage payment. Typically, the funds must be liquid (in a checking or savings account), or in the form of a sellable asset (like vehicles, stocks or cash from retirement or insurance accounts).
Buying a multifamily property with an FHA loan
If you want to purchase a multifamily home (two to four units) in Michigan, you can do so using an FHA loan with only 3.5% down. You’ll need to meet the FHA requirements listed above, plus these additional requirements:
- Occupancy: You must intend to use the property as your primary residence for at least one year. FHA guidelines still allow you to rent additional rooms and units if you choose to, which can help cover the mortgage payments (a strategy often referred to as house hacking).
- Cash reserves: Borrowers must have enough cash on hand to cover at least three months of mortgage payments if they’re purchasing a three- or four-unit property. For a single-family home with an accessory dwelling unit (ADU), the requirement is two months of mortgage payments.
- Income: You need proof of consistent, stable income from the past two years. If you plan to rent out the units you aren’t living in, or rent to a roommate, you may be able to include this prospective income in your mortgage application. That extra income can boost your borrowing power.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Michigan
| Lender | LendingTree rating | Minimum FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 |
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