FHA VS Conventional loan in Wayne, Wayne County, Michigan

In 2026, the Conventional loan limit in Wayne, within Wayne county, MI, stands at $726,200, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to explore today's leading rates for Conventional, FHA, and USDA loans. Assess the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator enables you to compare Conforming Conventional, USDA, FHA, and VA loans side-by-side, aiding in selecting the best program in MI for your financial goals.

Review offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Wayne, Wayne, MI

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The table is relevant for zip codes: 48184

Discovering Conventional and FHA Loan Options in Wayne, MI

The goal of Lendersa® is to connect you with the best possible Conventional, USDA, or FHA loan quickly, without hassle. Choose one of three pathways that result in aligning with matching lenders and loan programs.

Results from USDA loan requests via Lendersa


  • Freeland Financial
  • 2104 Appaloosa Drive, Fallston, MD, 21047
  • Freeland Financial has built a strong reputation as an outstanding mortgage brokerage firm. We serve the lending needs of builders, real estate professionals, and individual homebuyers throughout the state of Maryland, Virginia, and Florida.Our customers keep coming back because we have low rates and the best service in MD, VA and FL..

  • Members 1st Federal Credit Union
  • 516 East Lancaster Avenue, Reading, PA, 19607
  • Since 1950, we’ve been in the business of helping our members plan for the future, cultivate smarter habits, and afford more of the things they love. Starting with a small desk and small counter outside the personnel office at the Naval Supply Depot in Mechanicsburg, PA, we’ve now grown to over 50 branches across 7 counties.

  • First Savings Mortgage
  • 659 C St SE, Washington, DC, 20003
  • First Savings Mortgage Providing outstanding customer service, through in‐house pricing, processing, underwriting and closing we save you time, closing your loan quickly.We help individuals looking to purchase, refinance or invest in property in the Washington DC metro area. We are experts on Capitol Hill where we have been part of the community.

  • MECU Credit Union
  • 1 South Street, Baltimore, MD, 21202
  • Our local Baltimore roots go back to 1936. From our humble beginnings to today, we have always put working families and their financial well-being at the center of everything we do. With better rates, free financial education and personal service, we are committed to improving the lives of our members and the communities we serve.

  • M&T Realty Capital Corporation
  • One Light Street, 12th Floor, Baltimore, MD, 21202
  • M&T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, the company provides banking, investment, insurance and mortgage financial services to more than 3.6 million consumer, business and government clients.

  • Destinations Credit Union
  • 8767 Satyr Hill Road, Parkville, MD, 21234
  • Destinations Credit Union is a not-for-profit full service financial institution serving Parkville/Carney and employees/members of more than 150 businesses and community groups in the Baltimore Metro area. Because we return our profits to our members, we can generally offer low or no fees for services

  • Chesapeake Bank
  • 2001 East Joppa Road, Baltimore, MD, 21234
  • Chesapeake Bank of Maryland was founded in 1913 as New Eastern Avenue Permanent Savings and Loan Association. The name was changed to Chesapeake Federal Savings and Loan Association in 1960. In 1998 the Bank, became Chesapeake Bank of Maryland.

    The Bank operates from its main office in Parkville

  • SECU Credit Union
  • 971 Corporate Blvd, Linthicum Heights, MD, 21090
  • SECU embraces the credit union difference by giving back to the communities we serve through community outreach initiatives including scholarship programs and financial education workshops for high school and college students. With financial centers throughout Maryland, thousands of free ATMs, and mobile and online banking.

  • F&M Bank & Trust
  • PO Box 928, Burlington, IA, 52601
  • Since 1916, we've built our bank on the belief that each and every client is important. Because of our personal approach to banking, today we offer a combination of technology, convenience and service you won't find anywhere else.

    Farmers & Merchants Savings Bank was chartered on March 1, 1916.

  • New Tripoli Bank
  • 6748 Madison Street, New Tripoli, PA, 18066
  • New Tripoli Bank is dedicated to remaining independent and providing the financial needs of individuals, families, and small businesses in the Lehigh Valley by providing high-quality, competitively priced services in a caring, friendly environment. Our success is directly linked to the growth and vitality of our community.

  • First Meridian Mortgage Corporation
  • 8305 Richmond Hwy, Suite 12A, Alexandria, VA, 22309
  • First Meridian Mortgage Corporation is a trusted mortgage broker licensed to do business in Virginia, Maryland and District of Columbia. First Meridian’s purpose is to offer the most competitive mortgage interest rates and expert advice and guidance. First Meridian Mortgage Corporation is a Veteran Owned business.

  • ACCESS Federal Credit Union
  • 6 Franklin Avenue, Clinton, NY, 13323
  • ACCESS Federal Credit Union was chartered in 1947 as the Oneida Limited Employees Federal Credit Union. It was open to employees and their families of Oneida Silversmiths. In June of 1999, we changed our name to ACCESS Federal Credit Union. In August 2000, the National Credit Union Administration (NCUA) approved our request