In 2026, the FHA loan limits in the county of Alma, located in Gratiot, MI are as follows: $472,030 for a single-family home, $604,400 for 2-unit properties, $730,525 for residences with 3 units, and $907,900 for 4-unit homes. These limits help accommodate diverse housing configurations.
Regarding conventional loans, the maximum you can borrow for a single-family residence is $726,200. For two units, the limit is $929,850; for three units, it's $1,123,900; and for four units, the cap is $1,396,800. These amounts are designed to support a variety of residential needs.
Use our FHA calculator to view today's best FHA rates and ascertain the necessary downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator allows for detailed comparison of FHA rates and terms with those from other programs. Consider conventional loans, jumbo loans, as well as VA, USDA, non-QM, and hard money loans. This comprehensive exploration ensures that you review all possible financing options.
Lendersa® efficiently gathers extensive data from thousands of lenders and promptly analyzes it against your specific financial profile to deliver personalized recommendations.
In 2026, the Loan Limits Comparison Table for Alma county of Gratiot, MI provides a detailed comparison of maximum loan amounts available for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgages (HECM), and hard money loans. For evaluating qualification needs, including income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for thorough analysis and insight.
| 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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