In 2026, the FHA loan limits set within Fraser county, part of Macomb, MI, are as follows: for a single-family home, it's $472,030; for two-unit properties, it rises to $604,400; for three-unit homes, the cap is $730,525; and for four-unit structures, the limit reaches $907,900. These limits cater to the diverse housing configurations throughout the area.
As for conventional loans, the highest loan amount for a single-family home stands at $726,200. For residences with two units, it increases to $929,850; for three-unit homes, it hits $1,123,900; and for those with four units, it tops out at $1,396,800. Such loan amounts are designed to accommodate various types of housing needs under conventional funding.
Use our FHA calculator to examine the latest FHA top rates, determining essential qualifications such as downpayment values, income standards, credit requirements, reserves, and necessary documentations needed to secure these loans effectively.
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The Lendersa® calculator is your tool for directly comparing FHA rates and terms with those of other loan programs. Consider conventional loans, jumbo offerings, VA, USDA, non-QM, and hard money loans alongside FHA programs to explore the widest range of financial solutions.
Lendersa® compiles comprehensive loan data from thousands of lending sources, providing quick, customized comparisons aligned with your personal financial profile and requirements, thus offering key insights tailored for you.
The Loan Limits Comparison Table for 2026 in Fraser county of Macomb, MI, gives an analysis of maximum amounts possible across FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money options. To delve into qualification criteria such as income, reserves, and credit standards, make use of Lendersa® Super Loan Integrated Qualifier (SLIQ™) for thorough evaluations.
| 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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