In 2026, the FHA loan limit for Alpena county in Alpena, MI is set at $472,030 for a single-family home. For properties with two units, this rises to $604,400. Three-unit homes have a limit of $730,525, while four-unit properties can reach $907,900. These varying limits account for different housing types in the region.
The maximum loan amount for conventional loans on a single-family residence is $726,200. For homes with two units, the maximum is $929,850; with three units, it is $1,123,900; and for four units, it reaches $1,396,800. These limits cater to different residential arrangements.
Use our FHA calculator to discover today’s most favorable rates and to determine the required downpayment, income, credit score, reserves, and documents needed to qualify.
The Lendersa® calculator enables comparisons of FHA rates and terms alongside other loan programs. Explore conventional loans, jumbo options, VA, USDA, non-QM, and hard money loans alongside FHA to better match your financial needs.
Lendersa® pulls in loan program data from thousands of lenders, processing detailed comparisons with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Alpena county, Alpena, MI, provides a comprehensive analysis of maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money options. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifications like income, reserves, and credit score demands.
| 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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