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.
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| 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
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.
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