In the year 2026, the FHA loan limit in Detroit county, part of Wayne, MI, is $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, the maximum amount for a single-family home is $726,200. For properties with two, three, and four units, the limits are $929,850, $1,123,900, and $1,396,800 respectively.
Make use of our FHA calculator to explore today’s most favorable FHA rates, as well as determine the downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with those of other loan programs. Explore comparisons across Conventional Loans, Jumbo Loans, VA, USDA, Non-QM, and hard money loans along with FHA options.
Lendersa® collects comprehensive loan program data from thousands of lenders and swiftly aligns it with your individual financial profile.
Throughout 2026 in Detroit county, Wayne, MI, the Loan Limits Comparison Table provides insights on FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Use Lendersa®’s Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements like income, reserves, and credit.
| 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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