For 2026, the FHA loan limits in Garden-City county of Wayne, MI are set at $356,362 for a single-family home. For two-unit dwellings, the limit is $456,275; for three units, it is $551,500; and for properties with four units, it is $685,400.
With conventional loans, the maximum amount for a single-family home is $548,250, while for two-unit properties, it is $702,000. For three-unit buildings, the limit is $848,500, and for four units, it stands at $1,054,500.
Use our FHA calculator to access the best FHA rates today. It assists in calculating the needed downpayment, and outlines the income, credit, reserves, and documentation required for qualification.
The Lendersa® calculator provides an opportunity to evaluate FHA rates and terms against all other loan programs. This includes Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans compared with FHA offerings.
Lendersa® swiftly gathers data from thousands of lenders, matching it to your unique financial profile and requirements.
A Loan Limits Comparison Table for 2026 in Garden-City county, Wayne, MI contrasts the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare income, reserves, and credit qualification requirements, you can use 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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