In 2026, the FHA loan limits for East-Lansing in Ingham, MI are set at $356,362 for single-family homes. For properties with two units, the limit is $456,275; for those with three units, it's $551,500; and for four-unit properties, the ceiling is $685,400.
The conventional loan maximums for a single-family residence are $548,250, increasing to $702,000 for two-unit homes, $848,500 for three-unit dwellings, and $1,054,500 for four-unit buildings.
Utilize our FHA calculator to uncover today’s best FHA rates and explore necessary downpayments, income criteria, credit requirements, reserves, and documentation essential for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms alongside those from other loan program options. Delve into comparisons with Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money alternatives, using FHA as a benchmark.
Lendersa® rapidly gathers detailed loan program data from thousands of lenders, evaluating it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in East-Lansing within Ingham, MI, illustrates maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification factors such as 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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