In 2026, the FHA loan limits in Allendale county of Ottawa, MI are detailed as follows: $472,030 for single-family homes, $604,400 for properties with 2 units, $730,525 for those with 3 units, and $907,900 for 4-unit dwellings. These limits reflect the needs of diverse house sizes and types across the region.
The limits for conventional loans on single-family residences are $726,200, while two-unit homes can go up to $929,850. For those accommodating three units, the maximum is $1,123,900, with four-unit homes having a ceiling of $1,396,800. These values represent the top allowable loans for various dwelling sizes within the conventional loan category.
Use our FHA calculator to explore today's best FHA rates and accurately gauge what downpayment, yearly income, credit score, reserves, and documentation are needed to qualify for these programs.
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The Lendersa® calculator gives you the tools necessary to compare FHA rates and terms with other loan programs. Discover a variety of choices, from conventional and jumbo loans to VA, USDA, non-QM, and hard money loans, each offering unique benefits alongside FHA options.
By gathering loan data from thousands of lenders, Lendersa® swiftly contrasts this information with your personalized financial profile and needs, delivering insights tailored to your circumstances.
The 2026 Loan Limits Comparison Table for Allendale county within Ottawa, MI, provides a comprehensive view of maximum amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loan types. To fully explore qualification requirements including income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is your go-to resource for informed comparisons.
| 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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