In 2026, the FHA loan limits in Farmington-Hills of Oakland, MI are set at $356,362 for a single-family home. For properties with two units, the limit is $456,275; for those with three units, it's $551,500; and for four-unit homes, the cap is $685,400.
The ceiling for conventional loans on a single-family dwelling is $548,250. Properties with two units have a limit of $702,000, for three units it's $848,500, and for four units, the maximum is $1,054,500.
Our FHA calculator helps in discovering today's best FHA rates and calculates the necessary downpayment, income, credit reserves, and documents required to qualify.
The Lendersa® calculator allows for a comprehensive comparison of FHA rates and terms with other loan programs. Dive into comparisons including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, in addition to FHA.
Lendersa® accesses loan program data from a plethora of lenders and compares it swiftly with your specific financial profile and requirements.
For 2026, in Farmington-Hills county of Oakland, MI, the Loan Limits Comparison Table provides detailed insights into FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To assess qualification criteria like income, reserves, and credit, employ 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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