Explore the differences! FHA VS Conventional loan programs in Ann-Arbor, Washtenaw County, Michigan

In 2026, in the city of Ann-Arbor and the county of Washtenaw, MI, the allowable amount for conventional loans is set at $647,200. Meanwhile, the FHA's limit for a single-family property is $420,680.

Lendersa® Conventional loan calculator helps in comparing today’s top rates for Conventional loans contrasted with FHA and USDA. You can evaluate the income, credit, reserves, and required documents needed for qualification. This sophisticated mortgage calculator allows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA programs, guiding you to choose the best fit for your financial needs in MI.

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2026 Loan Limits and Down Payment Requirements in Ann-Arbor, Washtenaw County, MI

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

The details above apply to these zip codes: 48103

Explore Conventional and FHA Loan Choices in Ann-Arbor, MI

Lendersa® aims to offer you an exceptional experience in securing the most suitable Conventional, USDA, or FHA loan quickly and simply. Choose from three ways to connect with matching lenders and their loan options.

Lendersa USDA loan request and matching results


Ann-Arbor Lenders

  • Arbor One Mortgage Group
  • 250 W Eisenhower, Suite 100, Ann Arbor, MI, 48103
  • Lends in Michigan
  • At Arbor One Mortgage Group, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Green Block Inc.
  • 2075 W. Stadium Blvd., #2950, Ann Arbor, MI, 48106
  • Lends in Michigan
  • Green Block Inc. is your trusted partner in real estate financing, offering tailored solutions nationwide. Specializing in fix-and-flip/hold, bridge, and DSCR loans, we provide up to 95% LTV and 100% rehab funding, empowering you to turn opportunities into success. Contact Marcia Gilad at mgilad@greenblockinc.com or call 3234870544 to elevate your

  • Giniel Financial Group, Inc
  • 735 Victors Way, Ann Arbor, MI, 48108
  • Lends in Michigan
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Cluett Capital Partners
  • 14 Ridgeway Street, Ann Arbor, MI, 48104
  • Lends in Michigan
  • Cluett Capital Partners provides commercial real estate financing solutions, including private money, hard money, DSCR loans, and institutional capital from banks, Fannie Mae, Freddie Mac, CMBS, HUD/FHA, and life companies. We structure customized bridge, construction, and permanent loans for multifamily and investment properties, delivering competitive terms and efficient execution in today’s evolving capital markets.

  • University of Michigan Credit Union
  • 340 E Huron Street, Suite 100, Ann Arbor, MI, 48104
  • Lends in Michigan
  • UMCU is the only credit union headquartered in Ann Arbor, Michigan. It was established in 1954 with just 12 members and $9 in assets. Today, UMCU has more than 100, 000 members and more than $1 billion in assets, and it continues to grow. With nine offices in Ann Arbor, one branch in Ypsilanti, one branch in Dearborn and three branches in the Flint

  • Bank of Ann Arbor
  • 125 S. Fifth Ave, Ann Arbor, MI, 48104
  • Lends in Michigan
  • Bank of Ann Arbor is a locally owned and operated bank with total assets and assets under management of over $2 billion, serving people and businesses throughout Washtenaw County and Plymouth. Bank of Ann Arbor is a community bank headquartered in downtown Ann Arbor with 8 locations throughout Southeast Michigan.

  • University Bank
  • 2015 Washtenaw Avenue, Ann Arbor, MI, 48104
  • Lends in Michigan
  • University Bank is an FDIC insured, locally owned and locally managed Community Bank primarily serving the cities of Ann Arbor and Ypsilanti of Washtenaw County, Michigan. The Community Banking operation focuses on local businesses, local residents, minorities and non-profit organizations.

  • Home Point Financial Corporation
  • 2211 Old Earhart Road, Suite 250, Ann Arbor, MI, 48105
  • Lends in Michigan
  • Homepoint, our mission is to create financially happy, healthy homeowners – and that starts by empowering individuals at every step of the homebuying or refinancing process. #NoPlaceLikeHomepoint | homepoint.com
    Whether you are a current customer with account questions or a visitor looking to learn about the mortgage loan process"

  • Affordable Mortgage Partners PC
  • 7461 Steeplechase Dr., Saline, MI, 48176
  • Lends in Michigan
  • Our journey began late in 2012, with the principles of honesty, integrity, and transparency cemented in our company mission. Our client focused approach allows our team to provide tailored financing solutions to your unique situation. We remain highly competitive in the marketplace by offering our clients guaranteed rates at wholesale pricing.