FHA VS Conventional loan programs in 2026 for Southfield, Oakland County, Michigan
In 2026, the conventional loan limit for Southfield in Oakland County, MI, is set at $726,200, whereas the FHA cap for a single-family home is $472,030. This distinction provides clear boundaries to guide financial decisions for prospective homebuyers.
Take advantage of the Lendersa® Conventional loan calculator to compare today's most favorable rates for Conventional, FHA, and USDA loans. This tool helps determine needed income levels, credit standards, reserves, and documentation required for approval. Our advanced mortgage calculator lets you evaluate Conforming Conventional loans alongside USDA, FHA, and VA options, enabling you to decide which is best for your financial strategy in MI.
2026 Loan Limits and Down Payment Requirements in Southfield, Oakland County, MI
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison table applies to the zip codes: 48033
Variety of Conventional and FHA Loan Options in Southfield, MI
Lendersa® is dedicated to facilitating a seamless experience in sourcing the best Conventional, USDA, or FHA loan, promptly and without unnecessary hassle. Begin with one of three pathways to connect with suitable lenders and relevant loan programs.
People Driven Credit Union is a member-owned, full-service financial institution helping members and their families with money management since 1928. PDCU was founded in 1928 as Detroit Federal Employees Credit union to serve as a primary field of membership of federal employees in the Detroit area and their families.
26711 Northwestern Highway, Suite 200, Southfield, MI, 48033
Lends in Michigan
We obtain our clients information from a referred based system we have in place with real estate agents & brokers across the nation.From having a client’s information, we assist with any purchase or refinance need.Our exclusive service allows us to have a more intimate understanding of how we can help client make a stressful process a positive one.
Here at SafeWay we live by, every client every time, and we always make sure to offer the smartest mortgage solution from refinancing to purchasing your dream home. Our mission is to walk each client through the mortgage process and make sure we educate the client throughout the process of obtaining a new mortgage solution.
A team of professionals that believe everyone should be treated as if they lived next door. Our founders and team members have more than 150 years of combined experience helping clients all over the country choose the best loan program to help accomplish their goals. We leverage each client’s feedback as our entire team works.
300 Galleria Officentre, Suite 500, Southfield, MI, 48034
Lends in Michigan
At MiMutual Mortgage, the reason we exist centers on this simple phrase - Great People, Building a Great Company, Serving our Communities.
We believe that purchasing a home is one of life's most monumental events. It is more than a transaction - it is a life-changing investment. Our clients deserve the care
Extreme Loans (powered by First Savings Bank NMLS# 41131) is an EXTREMELY AWESOME mortgage branch that is here to help with any/all residential mortgage buying or refinancing needs. We lend nationwide so check us out online www.extremeloans.com or contact us #844CloseFast (844-256-7332)
300 Galleria Officentre, Suite 101, Southfield, MI, 48034
Lends in Michigan
United Mortgage Lending is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time.
29500 Telegraph Rd, Suite 200, Southfield, MI, 48034
Lends in Michigan
At Prime Mortgage, our job is making you our number one priority. Whether you’re getting ready to buy your first home, consolidate debt, or any other mortgage needs you can imagine we’ve got the experience you need to create a successful experience. Click the button below for more details.
29777 Telegraph Road, Suite 3090, Southfield, MI, 48034
Lends in Michigan
Central Mortgage Funding, LLC is built on the relationships we make every day. When you work with CMF you’re family, there’s no way around it. We share our customer’s vision, we work hand in hand with you through our financial products, services and so much more. We take our time to offer you a personally crafted mortgage experience that is safe.
