In 2026, the conventional loan limit in Rochester-Hills, located in Oakland County, MI, is $647,200; however, the FHA limit for a single-family home is set at $420,680, delineating clear funding boundaries for buyers in the area.
Lendersa® offers a state-of-the-art Conventional loan calculator to help borrowers compare the best rates between Conventional, FHA, and USDA loans for today. Determine your required income, credit score, reserves, and documentation for qualification seamlessly. This advanced mortgage calculator allows you to view Conforming Conventional loans alongside USDA, FHA, and VA options for side-by-side comparison, aiding in identifying which plan in MI best meets your specific financial goals.
Explore various loan offers from a selection of 100 lenders
| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $647,200 | 3% |
| USDA | $285,000 | 0% |
| FHA | $420,680 | 3.5% |
This table applies to the following zip codes: 48306
The mission of Lendersa® is to ensure you obtain the optimal Conventional, USDA, or FHA loan easily and swiftly, without unnecessary hassle. Choose from one of three starting pathways crafted to match you with the right lenders and suitable loan programs tailored to your financial needs.
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