In 2026, the FHA loan limits for Ferndale county within Oakland, MI, are defined as follows: a single-family home is capped at $472,030, a two-unit residence at $604,400, three-unit properties reach $730,525, and four-unit homes are limited to $907,900. These limits are established to accommodate various housing configurations within the region.
The permissible maximum for conventional loans on single-family residences is $726,200. For homes consisting of two units, the ceiling rises to $929,850; for those with three, it advances to $1,123,900; and for four-unit structures, it peaks at $1,396,800. Such figures are designed to provide suitable options for diverse residential types under conventional guidelines.
Utilize our FHA calculator to uncover today's most favorable FHA rates while determining the specific downpayment, income levels, credit standards, reserves, and required documentation to qualify for these advantageous loans.
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The Lendersa® calculator provides the tools necessary to compare FHA rates against a comprehensive array of other loan program rates, enabling exploration and comparison. Options you may explore include conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans alongside FHA possibilities. Such comprehensive comparison facilitates tailored decision-making in loan selection.
Lendersa® efficiently draws loan program data from thousands of lenders, swiftly aligning it with your distinct financial profile and needs to offer insightful and personalized advice.
The Loan Limits Comparison Table for 2026 in Ferndale county, Oakland, MI, gives an overview of maximum loans available across FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money categories. To deeply assess qualification requirements such as income, reserves, and credit factors, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to navigate through these aspects effectively.
| 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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