FHA VS Conventional loan programs in St.-Clair-Shores, Macomb County, Michigan

In 2026, the conventional loan threshold for St.-Clair-Shores, located in Macomb county, MI, is $647,200, whereas the FHA limit for a single-family home is $420,680.

Employ the Lendersa® Conventional loan calculator to evaluate today's best rates for Conventional, FHA, and USDA loans. Assess required income, credit, reserves, and documentation needed for qualification. Our enhanced mortgage calculator compares Conforming Conventional, USDA, FHA, and VA loans side-by-side to aid in selecting the ideal program in MI tailored to your financial requirements.

Compare loan offerings from 100 lenders

2026 loan limits and down payment expectations in St.-Clair-Shores, Macomb, MI

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

This table is applicable to the zip codes: 48081, 48080, 48082, 48090

Exploring Conventional and FHA loan possibilities in St.-Clair-Shores, MI

Lendersa® is committed to securing your best Conventional, USDA, or FHA loan quickly and efficiently. Choose among three initial paths to match with lenders and loan programs best suited to your needs.

Lendersa USDA loan request and matched results


  • THE PREFERRED GROUP MORTGAGE AND CONSULTING SERVICES, INC.
  • 110 S. Oak Ave, Suite 100, Bartlett, IL, 60103
  • We are not a BIG BOX Loan Store quoting rates and closing costs based off of a computer algorithm. Here at the Preferred Group, we go to work for you. We roll up our sleeves and do the hard work, finding you the best options for your situation. Due to our experience and full-service operations, we provide in-depth knowledge, help

  • First Trust Bank of Illinois
  • 275 East Court Street, Kankakee, IL, 60901
  • We are a well-capitalized, secure local bank with full-service locations in Bourbonnais, downtown Kankakee, west Kankakee, Aroma Park and Danforth as well as a convenient drive-up branch in Briarcliff Shell/Bourbonnais. We are committed to bringing you an extensive range of financial products and the responsive service you need.

  • Peoples Bank of Kankakee County
  • 333 E. Court Street, Kankakee, IL, 60901
  • Peoples Bank was founded as People’s Bank Marycrest with its first location opening in the Marycrest neighborhood on East Court Street in May, 1962. The Bank was founded by Ford auto dealer, real estate developer, and philanthropist Romy Hammes. Romy established the Bank after recognizing a need for greater local decision making.

  • McHenry Savings Bank
  • 353 Bank Drive, McHenry, IL, 60050
  • At MSB we educate and empower our clients so they can go fearlessly forward in their unique financial journey. Our team is committed to understanding your financial needs and objectives so we can craft solutions to meet your transacting, borrowing, and investing needs in a secure, transparent, and cost-effective manner.

  • HealthCare Associates Credit Union.
  • 1151 East Warrenville Road, Naperville, IL, 60563
  • As a credit union, we have members, not customers. As a not-for-profit cooperative, we are dedicated to providing superior financial value with products and services including savings, checking, investments, loans, credit cards, and 24/7 access to your money via mobile, Internet and telephone.

  • Vincent Viriyakul Residential & Commercial Financing & Real Estate
  • 1754 N. Washington St, Suite 128B, Naperville, IL, 60563
  • Great Mortgage Company Inc. 1754 N Washington St, Ste 128B Naperville, IL 60563 is an Illinois Residential Mortgage Licensee. Great Mortgage Company Inc is an approved FHA lender, not an agency of the U.S government. All loans are subject to final lender approval. Programs, rates, terms and conditions may change without notice.

  • CIBM Bank
  • 1811 Centre Point Drive, Suite 123, Naperville, IL, 60563
  • full-service banking offices you'll find a full array of Personal and Business banking services and products to help you create the life you want and to help your business continue to be successful. We work hard to be your partner and we understand that this means listening and responding to the unique needs of you.

  • Prosperity Co
  • 1730 Park Street, Suite 200A, Naperville, IL, 60563
  • "Prosperity Co. is a Massachusetts Foreign Corporation filed On August 13, 2021. The company's File Number is listed as 001526020.

    The Registered Agent on file for this company is Yang Liu and is located at 75 Tyler Rd, Weston, MA 02493. The company's principal address is 1730 Park St, Suite 200a, Naperville, IL 60563."

  • Professional Mortgage Solutions Inc
  • 1776 Legacy Circle, Naperville, IL, 60563
  • Our mortgage team members give you the personal attention you deserve and treat you with the respect due a valued customer. You are making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So here's our commitment to you: we will help you qualify, apply and be approved for the ideal mortgage loan for you