In the year 2026, the FHA loan limit established for Flat-Rock county, located in Wayne, MI, is $356,362 for a single-family home. For properties with two units, the limit is $456,275; for three-unit buildings, it's $551,500; and for four-unit structures, the cap reaches $685,400.
When it comes to conventional lending, the maximum loan amount for a single-family residence is set at $548,250. For residences with two units, the maximum climbs to $702,000. Buildings containing three units have a cap of $848,500, and for those with four units, the upper limit is $1,054,500.
With our FHA calculator, it's possible to not only view current optimal FHA interest rates but also to evaluate the necessary downpayment, income level, credit score, reserves, and documentation required for loan eligibility.
The Lendersa® calculator gives you the ability to thoroughly compare the rates and terms of FHA loans with those of a multitude of other lending programs. This includes conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM loans, and hard money loans, all alongside the FHA options that are available to you.
An impressive aspect of Lendersa® is its capability to gather data from thousands of different lenders. It processes this information in mere seconds, aligning the diverse loan offerings with your specific financial profile and requirements, ensuring that you have the best options in front of you.
A Loan Limits Comparison Table, specifically tailored for 2026 in Flat-Rock county of Wayne, MI, provides a detailed comparison of maximum loan amounts across a variety of loan types. This includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To deeply compare requirements such as income, reserves, and credit standards, you can utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™), an innovative tool designed to enhance your loan decision-making process.
| 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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