FHA VS Conventional loan programs in 2026 for Houghton, Houghton County, Michigan
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.
2026 Loan Limits and Down Payment Information for Houghton, Houghton, MI
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
Discover Conventional and FHA Loan Options in Houghton, MI
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.
Superior National Bank opened in 1890. Headquartered in Hancock Michigan, Superior National Bank serves clients in the Upper Peninsula and Southeast Michigan regions and employs over 250 people. Superior National Bank provides individual consumers, businesses, municipalities and corporations with a full range of banking services spanning lending.
Mortgage loan subservicing is a highly demanding and regulated discipline – one that requires precise expertise for handling thousands of complex tasks. Today’s environment is not for the inexperienced, or those who are stuck in the status quo. That’s why lenders all over the country trust Midwest.
In the mid-1950s, a group of like-minded community members gathered with the foresight to see a need for an alternative way of “banking”. With this ambition, our founders created the Torch Lake Council #2713 Knights of Columbus Federal Credit Union - quite a mouthful! Our credit union was formally established on February 16, 1955
TruNorth Federal Credit Union has been open since 1949. The credit union has assets totaling $195.79 Million and provides banking services to more than 16, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
We're an institution that was born and raised in the Upper Peninsula of Michigan. The #EmbersTeamMembers strive to spark financial opportunities and offer solid advice to get our membership to the next level. Our fire burns for everyone that calls the U.P. home. So, as we always say, #LiveitUP.
Marquette Community Federal Credit Union´s history begins in 1952 at the Marquette Branch Prison. Local 684 of the Michigan Corrections Officers Association were granted a charter from the National Credit Union Administration to provide savings and loan services to the employees of the Marquette Branch Prison.
Range Bank was founded on June 13, 1887 when horses were the main form of transportation and gold was still a form of currency. As an independent community bank, Range Bank is locally owned and managed.
We will be the bank of choice in the communities we serve. We are accountable for our actions.
Iron Mountain-Kingsford Community Federal Credit Union
400 South Carpenter Avenue, Kingsford, MI, 49802
Lends in Michigan
The Iron-Mountain Kingsford Community Federal Credit Union has been serving the Iron Mountain-Kingsford area for over 70 years. We are member-owned and a not-for-profit financial institution located in Kingsford, MI.
We started in 1948 as the Ford Iron Mountain Employees Federal Credit Union
Northern Interstate Bank, N.A. is focused on making local decisions with the best interest of our communities and customers in mind.
Northern Interstate Bank, N.A. has 8 branch offices and 13 ATM locations to conveniently satisfy your banking needs. Below is the contact information and hours of operation for each office.
