In 2026, the FHA loan limit for Dearborn-Heights county in Wayne, MI, is $356,362 for a single-family home, with limits of $456,275 for two units, $551,500 for three units, and $685,400 for four units.
For conventional loans, the maximum amounts on a single-family residence are $548,250, increasing to $702,000 for 2-unit homes, $848,500 for 3-units, and $1,054,500 for 4-units.
Utilize our FHA calculator to find the best rates today and assess the necessary downpayment, income levels, credit scores, reserves, and documentation needed to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms against those of all other loan programs. Dive into a comparison of FHA with options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly gathers loan program data from thousands of lenders and aligns it with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Dearborn-Heights, which is part of Wayne, MI, provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To gauge qualifications involving income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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