FHA VS Conventional loan programs in 2026 for Birmingham, Oakland County, Michigan

As of 2026, the Conventional loan limit within Birmingham, Oakland county, MI is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.

Access the Lendersa® Conventional loan calculator to evaluate today's rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation. Our advanced mortgage calculator allows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA options, assisting in selecting the optimal program in MI fitting your financial needs.

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2026 Loan Limits and Down Payment Requirements in Birmingham, Oakland, MI

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

Applies to zip codes: 48009, 48012

Options for Conventional and FHA Loans in Birmingham, MI

The goal of Lendersa® is to facilitate your access to the best possible Conventional, USDA, or FHA loan promptly, without hassle. Choose from three options to connect with suitable lenders and loan programs.

Lendersa results for USDA loan requests


  • Virginia Mountain Mortgage
  • 19747 Main St, Buchanan, VA, 24066
  • Bank of Botetourt "Taking Care of You"​ is more than a slogan, it's our promise to the community. For over 120 years, Bank of Botetourt has been committed to reaching out within our local communities to do all we can to further the area's overall economic development. As a community partner, we make charitable contributions for education.

  • Lakewood Credit Union
  • 1003 Railroad Street, Rib Lake, WI, 54470
  • Lakewood Credit Union was chartered May 19, 1961, serving the community surrounding Rib Lake, Wisconsin. The local business leaders created the credit union in order to help those that live within the area. The name of the credit union was determined through a vote by the Rib Lake High School students.

  • Mid-Atlantic Commercial Capital LLC
  • 210 N Main St, Culpeper, VA, 22701
  • Mid-Atlantic Commercial Capital, LLC is a nationally recognized financial company serving our clients financing needs. In these trying times, most banks have a policy to lend money only to those companies that don’t really need it. Additionally, most banks are one-dimensional and only do one type of financing.

  • First Trust and Savings Bank
  • 123 Main St, Wheatland, IA, 52777
  • First Trust and Savings Bank, with it's origin dating back to 1886, has been very blessed to be part of a strong agricultural area that now includes facilities in the towns of Wheatland, Dixon, Lost Nation, Calamus, Grand Mound, and Donahue, Iowa.First Trust is a locally owned community bank, with many long term experienced employees to serve you.

  • Oakview Capital
  • 9911 Mill Run Drive, Great Falls, VA, 22066
  • Oakview, we believe a strong start makes for a strong finish to this challenging process. Our goal at the onset is to understand your needs. We invest extra time to get to know you, your situation, and all the other aspects of the transaction that may influence the final outcome.

  • Oak Hill Mortgage LLC
  • 3057 Jeannie Anna Court, Herndon, VA, 20171
  • Oak Hill Mortgage, LLC, a veteran owned company, is committed to providing our clients with the highest quality loan origination services, combining outstanding service with very competitive rates. We work with our clients to structure the right loan solution (lender, program, rate, and terms) to satisfy your home financing needs.

  • 1st Community Credit Union
  • 1000 W Wisconsin St, Sparta, WI, 54656
  • 1st Community Credit Union is a not-for-profit organization owned by its members...people like you. Our purpose is to provide a source of credit at a fair and reasonable rate. As a member, you are one of the owners of your Credit Union. We take pride in serving our members in the best way we know how: with friendly, personalized service.

  • Bluestone Home Loans LLC
  • 14382 Flourcastle Court, Centreville, VA, 20120
  • Bluestone Home Loans LLC was created to better serve the needs of the customer. Our founder, Matt McMahon, learned the business as a loan officer at a large regional bank. He valued his time there and worked with many outstanding individuals. Bluestone Home Loans is exclusively a Virginia mortgage brokerage.

  • St Michael Mortgage LLC
  • 5381 Lavender Mist Court, Centreville, VA, 20120
  • St Michael Mortgage LLC Is to provide exceptional service at competitive pricing to those in need of mortgage Loans, refinancing, and consulting services, ensure our clients’ needs are met, and respect and hold dear the client base that ensures our successful future and also We are a for profit company in the practice of mortgage.

  • Jonestown Bank & Trust Co.
  • 670 Furnance Hills Pike, Lititz, PA, 17543
  • Jonestown Bank & Trust Co. (JBT) is a Community Bank with 13 locations serving Lebanon, Northern Lancaster and Berks Counties and surrounding communities. JBT was founded in 1873 and currently has over $657 million dollars in assets. We have been recognized as a top community bank by U.S.

  • AmeriCU Credit Union
  • 1916 Black River Blvd N, Rome, NY, 13440
  • AmeriCU is a not-for-profit credit union owned by members like you. We offer the same products and services as a bank (plus insurance and financial planning) – but with low or no fees, and better rates. Founded in 1950, today AmeriCU has grown to more than 127, 000 members and more than $1.5 billion in assets.