For the year 2026, the FHA loan limits within Birmingham county of Oakland, MI are: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units. These limits reflect the different housing configurations available.
In terms of conventional loans, the maximum borrowing amount for a single-family home is $726,200. For properties with two units, this increases to $929,850, for those with three units, it is $1,123,900, and for four-unit residences, it reaches $1,396,800. This range of limits caters to a variety of residential formats.
Utilize our FHA calculator to find the most competitive FHA rates currently available and to learn about the necessary downpayment, income verification, credit, reserves, and documentation needed to qualify for these loans.
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With the Lendersa® calculator, you can seamlessly compare FHA rates and terms against all other loan programs. Take an in-depth look at options like conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans in tandem with FHA alternatives.
Lendersa® leverages an expansive dataset from thousands of lenders and aligns it with your specific financial profile, allowing fast and personalized comparisons tailored to your unique needs.
The 2026 Loan Limits Comparison Table in Birmingham county of Oakland, MI, outlines 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 scrutinize requirements like income, reserves, and credit alignment effectively.
| 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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