FHA VS Conventional loan programs in Pontiac, Oakland County, Michigan
As of 2026, the conventional loan limit in Pontiac, situated within Oakland county of MI, is set at $726,200, while the FHA loan limit is $472,030 for a single-family home.
The Lendersa® Conventional loan calculator allows you to compare the latest rates of Conventional loans against FHA and USDA options. It also helps you evaluate the necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, explore side-by-side comparisons of Conforming Conventional loans along with USDA, FHA, and VA options to identify the best fit for your financial circumstances in MI.
Loan limits and down payment requirements for 2026 in Pontiac, within the county of Oakland, MI
Loan Type
Loan Limit
Downpayment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
Note: The table is relevant to the following zip codes: 48342
Exploring Conventional and FHA Loan Options in Pontiac, MI
At Lendersa®, our objective is to procure the most suitable Conventional, USDA, or FHA loan with ease and efficiency. Begin by choosing one of these three pathways that lead to matched lenders and loan programs.
28 North Saginaw Street, Suite 201, Pontiac, MI, 48342
Lends in Michigan
At Centerbrook Mortgage Company, founded in West Bloomfield and based in Pontiac, Michigan, is built around our belief that acquiring a home loan should be a positive experience. When you work with us, you will be impressed by the level of service we will provide! We specialize in purchases, refinancing, investment properties.
Michigan Mortgage Solutions was created to serve as resource for future and current homeowners to use in order to get educated about their finances and make better mortgage financing decisions. We’ve assembled a team of experts in order to better meet the needs of our visitors and together we have over 30 years experience in mortgage lending
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
2100 Executive Hills Blvd, Auburn Hills, MI, 48326
Lends in Michigan
Genisys Credit Union is a not-for-profit, member-owned financial institution that has been committed to helping its members financially since 1936. Based out of Auburn Hills, Genisys is one of the largest credit unions in Michigan and one of the strongest in the country with over $2.3 billion in assets.
Average mortgage brokers do what's best for them and not for you. At Range Lending, our team of the best and brightest in the mortgage business will find the best loan options for your situation. We recognize that you are a human and not just a loan number, and we treat you accordingly.
2601 Cambridge Court, Suite 210, Auburn Hills, MI, 48326
Lends in Michigan
PARDA Federal Credit Union is a unique and diverse organization. We pride ourselves in recruiting and retaining top talent to achieve our member service initiatives. We offer challenging positions, opportunities for advancement, and a business environment. PARDA also offers a number of employee benefits
2170 Cass Lake Road, Suite F, Keego Harbor, MI, 48320
Lends in Michigan
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we are a mortgage brokerage that provides excellent service and unmatchable value.
180 High Oak Road, Suite 200, Bloomfield Hills, MI, 48304
Lends in Michigan
At York Financial Inc we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
MSUFCU was established 84 years ago to provide a safe place where members could borrow and save money. Over the years, we've built a strong foundation of relationships with our members - ultimately helping them achieve their dreams. Our employees live our mission every day to spark those moments for members to find financial freedom and security.
