As of 2026, the Conventional loan limit in Houghton, located within Houghton county, MI, is $726,200. For a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. Determine necessary income, credit, reserves, and documents for qualification. Our advanced mortgage tool offers side-by-side views of Conforming Conventional, USDA, FHA, and VA loans, aiding in choosing the right program in MI for your financial goals.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
This table is applicable to the following zip codes: 49931
At Lendersa®, we aim to swiftly connect you with the most suitable Conventional, USDA, or FHA loan without hassle. Select one of three starting paths to connect with matching lenders and loan programs.
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