FHA VS Conventional loan programs in 2026 for Troy, Oakland County, Michigan
In the year 2026, the limit for conventional loans in Troy, situated in Oakland County, MI, is designated as $726,200. For an FHA loan specifically targeting single-family homes, the limit is in place at $472,030, providing specific financial boundaries for potential buyers.
Utilize the Lendersa® Conventional loan calculator to explore and contrast the leading rates available today for Conventional, FHA, and USDA loans. This advanced tool will aid you in assessing the income, credit, reserves, and documentation required for qualification. With this mortgage calculator, you can place Conforming Conventional loans next to USDA, FHA, and VA loans side by side, helping clarify which program in MI is optimal for your personalized financial situation.
2026 Loan Limits and Down Payment Requirements in Troy, Oakland County, MI
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The comparison table applies to these zip codes: 48098
Exploration of Conventional and FHA Loan Options in Troy, MI
The principal aim of Lendersa® is to achieve the swift delivery of the best possible Conventional, USDA, or FHA loans with minimal stress. Choose from three starting pathways that have been crafted to align you with lenders and loan programs fitting your goals.
1111 W. Long Lake Road, Suite 102, Troy, MI, 48098
Lends in Michigan
Our experienced team has focused on financing the needs of the relocating employee and their employer. Our business is built around the relocation industry. We understand this unique situation and will provide a high-touch, high-tech approach. Our mortgage consultants average 20 years relocation mortgage experience and will work closely.
We are independent, trained professionals licensed to represent and provide you with the best mortgage for your particular situation. Honest Lending is a team of experienced home lending professionals who believe that everyone should be treated like family. Our founder has more than 10 years combined experience in helping clients like you.
Direct Home Mortgages is a premier Mortgage Broker based in Troy, Michigan. We are licensed in the states of Michigan, Colorado, and Texas. We are committed to ensuring you get the very best mortgage for your situation. That’s why with our vast resources and lender relationships, Direct Home Mortgages is able to offer a variety of types
100 west big beaver rd, Suite 200, Troy, MI, 48084
Lends in Michigan
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
The Integrity Property Financial Services Team is your premier mortgage team located in Troy, Michigan. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Michigan area.
1700 West Big Beaver Road, Suite 350, Troy, MI, 48084
Lends in Michigan
At Core Direct Mortgage, we believe in finding a solution for all applicants. If you are having trouble getting approved for a home loan, please contact us today at 720-508-0621. We are here to help. We offer a wide variety of loan programs to fit our clients' needs in today's real estate market.
Everest Financials Inc. is your premiere mortgage broker located in Troy, MI. We pride ourselves on offering competitive rates and outstanding service. We make the loan process simple, straightforward, and fast for all types of borrowers. Whether you are purchasing your dream home or looking to refinance
3310 West Big Beaver Road, Suite 105, Troy, MI, 48084
Lends in Michigan
At National Mortgage Funding we believe that purchasing a home or refinancing a home should be a process that is comfortable and easy. To help our clients with this process we provide a single voice experience with clear expectations and attention to detail. We believe that the consumer should have control to build their own mortgage.
A Michigan based mortgage company, founded by Mark Bigelow with over 30 years mortgage experience, promises to use cutting edge technology with old fashion service to create an incredible borrower experience.HomeLendUSA.com is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity.
