In 2026, FHA loan limits in Grand-Haven county of Ottawa, MI are set at $356,362 for a single-family home, $456,275 for properties with 2 units, $551,500 for 3-unit dwellings, and $685,400 for 4-unit homes. These limits accommodate diverse residential setups within the region.
The maximum loan amount for conventional loans on single-family residences is $548,250. For two-unit homes, it rises to $702,000, for three units, it extends to $848,500, and for four-unit properties, it reaches $1,054,500. These caps are structured to support various housing needs under conventional financing.
Use our FHA calculator to discover today’s favorable FHA rates and determine the necessary downpayment, income, credit score, reserves, and documents required to secure a loan.
The Lendersa® calculator enables FHA rate and term comparisons with other programs, such as conventional loans, jumbo mortgages, VA, USDA, non-QM, and hard money loans. This comparative approach helps in evaluating the right financial solution.
Lendersa® compiles comprehensive data from thousands of lenders, offering rapid comparisons that align with your financial profile and needs.
In 2026, the Loan Limits Comparison Table for Grand-Haven county within Ottawa, MI, covers detailed maximum loan amounts across FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification criteria like income, reserves, and credit efficiently.
| 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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