For 2026, the Conventional loan limit in Detroit, part of Wayne in MI, is $726,200. Meanwhile, for a single-family home, the FHA limit is $472,030.
The Lendersa® Conventional loan calculator allows you to compare the best rates today for Conventional, FHA, and USDA loans. It helps ascertain the income, credit score, reserves, and documents needed to qualify. The advanced mortgage calculator displays Conforming Conventional loans, USDA, FHA, and VA options side-by-side, helping you choose the most appropriate program in MI for your financial needs.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
These entries pertain to the zip codes: 48209, 48208, 48201, 48207, 48205, 48204, 48203, 48206, 48227, 48238, 48239, 48234, 48235, 48233, 48202, 48243, 48214, 48215, 48216, 48217, 48210, 48211, 48212, 48213, 48219, 48228, 48224, 48226, 48221, 48223, 48231, 48232, 48244, 48255, 48260, 48264, 48266, 48267, 48268, 48269, 48272, 48275, 48277, 48278, 48279, 48288
Lendersa® aims to help you secure the best Conventional, USDA, or FHA loans quickly and hassle-free. Start by selecting one of three pathways that connect you with appropriate lenders and loan programs.
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