FHA VS Conventional loan programs in Royal-Oak, Oakland County, Michigan

In the year 2026, the conventional loan ceiling in Royal-Oak, within Oakland county, MI is set at $647,200, while the FHA cap is $420,680 for a single-family residence.

Utilize the Lendersa® Conventional loan calculator for comparing current rates across Conventional, FHA, and USDA loans, determining income and credit needs, along with necessary reserves and documents for qualification. Our sophisticated mortgage calculator showcases comparisons of Conventional, USDA, FHA, and VA loans simultaneously, aiding you in selecting the best plan in MI for your financial needs.

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2026 loan limits and downpayment needs in Royal-Oak, Oakland county, MI

Loan Type Loan Limit Downpayment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table pertains to the following zip codes: 48067, 48073, 48068

Options for Conventional and FHA loans in Royal-Oak, MI

The aim of Lendersa® is to swiftly provide you with an optimal Conventional, USDA, or FHA loan. Choose from three starting paths to find matched lenders and loan schemes quickly.

Lendersa USDA loan request and matching outcomes


  • CORE MORTGAGE SERVICES, LLC
  • 3988 Kearneysville Pike, Shepherdstown, WV, 25443
  • Core Mortgage Services, LLC brings a refreshing and innovative approach to mortgage lending through diverse and coveted loan product availability. Our team of experts are ready to help you find the ideal mortgage for your situation. We serve all areas of Pennsylvania, Virginia, West Virginia, and Florida

  • Embers Credit Union
  • 601 S McClellan Avenue, Marquette, MI, 49855
  • 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
  • 1230 W Washington Street, Marquette, MI, 49855
  • 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, National Association
  • 100 N. Front St., Marquette, MI, 49855
  • 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.

  • F&M Bank
  • PO Box 1111, Timberville, VA, 22853
  • F&M Bank and its employees dedicate thousands of hours and dollars to the community and local economy. F&M Bank’s corporate philanthropy exceeds $300, 000 annually while our team dedicates their time to civic and nonprofit involvement in the markets where they live, work and play.

  • Meade County Bank
  • 2175 Bypass Road, Brandenburg, KY, 40108
  • Meade County Bank is proud to be a locally-owned hometown bank. We are dedicated to not only meeting but exceeding your customer service expectations of quality customer service. This bank and every director, officer and employee is a part of this community. We live, shop and belong to the same organizations as you.

  • Service 1st Federal Credit Union
  • 1985 Montour Boulevard, Danville, PA, 17821
  • 1st Federal Credit Union is a full-service financial institution who puts the financial goals of our members at the heart of everything we do. Whether in one of our twelve branches located in Bloomsburg, Danville, Elysburg, Lewisburg, Loyalsock, Mifflinburg, Montandon, Shamokin Dam, Sunbury and Wilkes-Barre, or out-and-about in the community.

  • Central Susquehanna Community Federal Credit Union
  • 530 E Market Street, Danville, PA, 17821
  • CSC FCU opened in the TRW building in Danville as the TRW Federal Credit Union. When TRW closed its manufacturing plant, we moved our office across the street and changed our membership charter from segment-based to community-based. Continuing to provide great service to our members has always been important to us.

  • Solvay Bank
  • 1537 Milton Ave, Syracuse, NY, 13209
  • Serving the Greater Central New York community for 100 years, Solvay Bank continues to strive to provide consumers and small business customers outstanding service and quality financial products. We are a people-oriented, independent, commercial bank that focuses on meeting the needs of the communities we serve.

  • Solvay Bank
  • 1537 Milton Ave, Solvay, NY, 13209
  • Founded in 1917, Solvay Bank is the oldest commercial bank in Central New York. We have nine locations in the Greater Syracuse area.Our mission is to provide the best experience for our customers to help make their financial dreams come true, while upholding socially responsible and community-minded principles, and delivering value to our sharehold

  • Sentry Credit Union
  • 1800 North Point Drive, Stevens Point, WI, 54481
  • Sentry Credit Union was founded in Stevens Point (WI) back in 1935 by Sentry Employees. In 1935, Sentry Insurance was named Hardware Mutual Casualty Company and SCU was named Hardware Mutual Casualty Credit Union. The Credit Union was incorporated as a cooperative, non-profit organization owned and managed by the Members.

  • Advantage One Credit Union
  • 204 N Jackson Street, Morrison, IL, 61270
  • Advantage One Credit Union has been open since 1998. The credit union has assets totaling $25.38 Million and provides banking services to more than 3,000 members

    The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.