In 2025, FHA loan limits in Algonac, St. Clair, MI are set as follows: $472,030 for a single-family home, rising to $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The maximum for conventional loans on a single-family residence is $726,200, increasing to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Leverage our FHA calculator to see today’s best FHA rates and determine the downpayment, income, credit, reserves, and necessary documents to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those from other loan options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® synthesizes data from thousands of lenders to match loans to your financial profile and needs efficiently.
The Loan Limits Comparison Table for 2025 in Algonac county, St. Clair, MI provides details on maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification needs like income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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