In the year 2026, within Dearborn county, part of Wayne, MI, the FHA loan limits are as follows: for a single-family home, the limit is $472,030; for properties with two units, it is $604,400; for three-unit homes, the limit is $730,525; and for four-unit buildings, the limit is $907,900.
Conventional loans have a maximum limit of $726,200 for a single-family residence, $929,850 for properties with two units, $1,123,900 for three-unit buildings, and $1,396,800 for those with four units.
Our FHA calculator will help you explore today's optimal FHA rates and determine the necessary downpayment, required income, credit score, reserved funds, and documents needed for eligibility.
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The Lendersa® calculator allows for a detailed comparison of FHA rates and terms alongside those from other loan types. Investigate variations such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loan options while assessing FHA.
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The Loan Limits Comparison Table for 2026 in Dearborn county, within Wayne, MI, provides a detailed comparison of 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™) for further understanding of qualification criteria such as income, reserve levels, and credit requirements.
| 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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