FHA VS Conventional loan programs in Dearborn-Heights, Wayne County, Michigan

For 2026, the limit for conventional loans in Dearborn-Heights, part of the county of Wayne, MI, is designated as $647,200. The FHA loan limit for a single-family home is set at $420,680.

Leverage the Lendersa® Conventional loan calculator to evaluate the most favorable rates available today for Conventional, FHA, and USDA loans. Identify the necessary income, credit, reserves, and documents required for qualification with ease. Our modern mortgage calculator allows you to compare Conforming Conventional, USDA, FHA, and VA loans in parallel, helping you select the best program in MI that fits your financial needs.

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2026 Loan Limits and Down Payment Requirements in Dearborn-Heights, Wayne, MI

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

This comparison table applies to the zip codes: 48127, 48125

Exploring Conventional and FHA Loan Opportunities in Dearborn-Heights, MI

The aim of Lendersa® is to promptly provide you with optimal Conventional, USDA, or FHA loans. Choose from three beginning options that align you with suitable lenders and loan programs.

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  • First Citizens Community Bank
  • 1163 South Main Street, Mansfield, PA, 16933
  • A simple philosophy can lead a company to great rewards. Treat your customers, your employees, and your communities with respect and you will earn their loyalty. Our strategy has never been about selling products, but instead about finding ways to make life more rewarding for our customers and employees.

  • Capitol Bank
  • 710 N High Point Rd, Madison, WI, 53717
  • We are proud of the partnerships we have established with organizations, businesses and individuals in the Madison and Verona communities. Our philosophy of community support is demonstrated at the corporate level, as well as in the time and energy our employees devote to our community each year.

  • QRL Financial Services
  • 801 Deming Way, Madison, WI, 53717
  • QRL Financial Services, is a nationwide provider of residential mortgage lending services for community banks and credit unions. The company’s comprehensive suite of offerings includes wholesale and correspondent lending, portfolio loan services, appraisal management and sub-servicing.

  • Select One Mortgage Inc.
  • 1111 Deming Way, Suite 205, Madison, WI, 53717
  • The Select One Mortgage Inc. Team is your premier mortgage broker servicing the Wisconsin and Minneapolis areas. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage. Whether you are a first time homebuyer, purchasing your dream home.

  • Thompson Kane and Company
  • 8020 Excelsior Dr, Suite 401, Madison, WI, 53717
  • Thompson Kane believes mortgage lending is about serving you. We take great pride in helping you realize one of life’s great dreams. That means providing the right loan, at a great rate, and closing on time every time! It also means we’re looking out for you every step of the way, helping you get acquainted with your options

  • Finger Lakes Federal Credit Union
  • 7 Seneca Street, Geneva, NY, 14456
  • People You Know. Service You Trust. We are dedicated to providing you with loan and deposit products designed with your needs in mind.
    We're open to the community! If you live, work, worship, volunteer, or attend school in Ontario, Seneca, or Yates County, or if you are a member of an immediate family or household of those within the field of mem

  • US Lending Corporation
  • 6720 Frank Lloyd Wright Ave, Suite 104, Middleton, WI, 53562
  • US Lending Corporation works with more than 20 banks to find the right home loans for our clients’ needs. More lending choices mean better-fit loans.Today’s rules and regulations for lending could fill volumes, making it more important than ever that you work with an experienced lender who specializes in home loans.

  • One Community Bank
  • 8215 Greenway Blvd, Madison, WI, 53562
  • One Community Bank, a completely online lending service that makes getting a mortgage or home equity loan easier and faster than ever before. One Community Bank was built exclusively for the internet. It's as easy as 1-2-3 and takes just 15 minutes to apply! We provide you with an instant interest rate quote and review your application.

  • Reliant Community Federal Credit Union
  • 10 Benton Pl., Sodus, NY, 14551
  • Reliant Credit Union is a member-owned and member-driven full-service financial institution with nine branches across Monroe, Ontario, & Wayne Counties in New York. We're committed to making a difference in the communities we serve by improving our members'​ financial lives and exemplifying the credit union philosophy of "people helping people

  • Team USA Mortgage
  • 1709 Tullamore Ave, Suite D, Bloomington, IL, 61704
  • "Team USA Mortgage is a national mortgage company offering retail mortgages and employment opportunities for qualified groups and individuals.

    Team USA Mortgage is committed to serving customers in all licensed states. Our core values of Honesty, Integrity, and Transparency flow from the corporate office

  • FIRST STATE MORTGAGE
  • 502 N. Hershey Road, Bloomington, IL, 61704
  • First State Mortgage (FSM), a subsidiary of First State Bank, Member FDIC, was founded in 2007 by a group of veteran bankers who have been working together in the residential First State Mortgage industry for more than 20 years. Our goal is to provide a comprehensive range of mortgage products, competitive pricing, and high quality.