In 2026, the FHA loan limits for Berkley county in Oakland, MI, are set at $472,030 for a single-family home. Properties with 2 units have limits of $604,400, while those with 3 units reach $730,525, and 4-unit residences are capped at $907,900. These limits reflect the diverse housing needs in the area.
The maximum for conventional loan amounts on a single-family residence is $726,200. For homes with two units, it is raised to $929,850; for three units, it's $1,123,900, and four units are at $1,396,800. This flexibility accommodates varying residential types.
Use our FHA calculator to identify today’s best FHA rates, helping you determine necessary downpayments, income, credit qualifications, reserves, and documentation required to qualify for these loans.
The Lendersa® calculator is essential for comparing FHA rates & terms against other programs. Assess and explore conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans alongside FHA options for a comprehensive comparison.
Lendersa® routinely gathers extensive data from thousands of lenders, which it then rapidly analyzes against your personal financial profile, providing you with customized, insightful comparisons suited to your needs.
For 2026, the Loan Limits Comparison Table for Berkley county of Oakland, MI, elaborates on FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money cap amounts. To thoroughly compare qualification elements like income, reserves, and credit, consider the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for in-depth analysis.
| 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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