As of 2026, the FHA loan limits in Grand-Rapids county, located in Kent, MI, are set at $356,362 for a single-family home, $456,275 for two-unit properties, $551,500 for three-unit dwellings, and $685,400 for buildings with four units.
For conventional loans, the maximum amount for a single-family house is $548,250. For homes with two, three, or four units, the ceilings are $702,000, $848,500, and $1,054,500 respectively.
Use our FHA calculator to discover today’s best FHA rates and understand the needed downpayment, income, credit standing, reserves, and required documentation to qualify.
The Lendersa® calculator facilitates comparisons of FHA rates and terms against all other types of loan programs. Evaluate and weigh options like Conventional Loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® synthesizes extensive loan program data from a variety of lenders, quickly aligning it with your personal financial profile and needs.
In 2026 in Grand-Rapids, Kent, MI, the Loan Limits Comparison Table allows for an analysis of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) to check out qualification requirements like income, reserves, and credit.
| 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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