FHA VS Conventional loan programs in 2026 for Bay-City, Bay County, Michigan
In 2026, the conventional loan limit for Bay-City, within Bay County of MI, is defined at $647,200. Conversely, the FHA limit for a single-family home is set at $420,680, providing clear guidelines for potential home buyers.
Leverage the Lendersa® Conventional loan calculator to examine today's top rates across Conventional, FHA, and USDA loans. This tool helps you evaluate the required income, credit scores, reserves, and supporting documents for qualification. View Conforming Conventional loans side-by-side with USDA, FHA, and VA options using our advanced mortgage calculator to help determine which plan in MI suits your financial strategy best.
2026 Loan Limits and Down Payment Requirements in Bay-City, Bay County, MI
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This comparison table is applicable to the following zip codes: 48706
Explore Conventional and FHA Loan Options in Bay-City, MI
Lendersa® is focused on ensuring you access the most suitable Conventional, USDA, or FHA loan with efficiency and ease. Choose one of three pathways prepared to connect you with matching lenders and tailored loan programs.
United Bay Community Credit Union (UBCCU) was founded with one core purpose in mind: to build and foster the financial well-being of our community. More than just a bank, UBCCU is a member-owned, not-for-profit financial institution. We provide a safe place to grow strong financial roots.
Welcome to United Financial Credit Union, established in 1964, your full-service, not-for-profit financial cooperative. We are owned and operated by members – so we comprise a family-like organization. Credit Union, established in 1964, your full-service, not-for-profit financial cooperative.
Lake Huron Credit Union was established in 1959. We strongly believe in our mission to provide our members with various financial services which enable them to enjoy a richer and fuller quality of A full-service financial institution serving the Saginaw, Bay, and Midland communities with 2 convenient locations in Kochville Township and Saginaw Town
Health Advantage Credit Union offers a wide range of financial services to employees, independent contractors or self-employed persons who regularly work in Healthcare Industry in the State of Michigan.Also, spouses of persons who have died while within the Healthcare Industry; employees of the credit union; retirees from the healthcare industry.
Team One Credit Union was originally organized by a group of 15 teachers as Saginaw Teachers Club Credit Union in 1935. Formed to fill a need as a place where teachers could receive financial assistance at reasonable rates, the purpose of this credit union was, and is, to encourage thrift (savings) among our members.
Wanigas Credit Union is a member-owned financial cooperative dedicated to providing a full range of quality financial products and services that meet the ever-changing needs of our membership. Services like mobile banking that include mobile loan applications, mobile check deposit, mobile bill pay and more.
When you open your account with MFCU, you become a member & owner of the credit union.At MFCU, we believe in you.Our promise is to be trustworthy, caring & enthusiastic to help you succeed. It comes naturally to us to listen carefully & build relationships in order to not only find solutions,but also minimize financial stress and maximize happiness
Dow Chemical Employees’ Credit Union was the 182nd credit union organized in the State of Michigan.
In 1937, the country was still in the throes of a severe economic depression that underscored the need for a workable financial plan to enable Dow employees to save for emergencies and obtain convenient, low-cost credit.
975 North Main St, Suite D, Frankenmuth, MI, 48734
Lends in Michigan
Neighborhood Mortgage Solutions is a Credit Union Service Organization (CUSO) providing mortgage services to fellow credit unions. We are credit union owned and were founded in 2008 by three credit union partners in Michigan: Frankenmuth Credit Union, Alpena Alcona Area Credit Union and Team One Credit Union.
