In 2026, the FHA loan limit set for Houghton county in Houghton, MI, is $472,030 for a single-family home. For properties with two units, it is set at $604,400; for those with three units, the limit reaches $730,525; and for four units, it extends to $907,900. These limits address varying residential structures.
The maximum loan amount for conventional loans on a single-family residence is $726,200. For two units, the cap is $929,850; for three-unit homes, it hits $1,123,900; and for four units, it's $1,396,800. These amounts cater to diverse housing needs.
Utilize our FHA calculator to find today’s top FHA rates and assess what downpayment, income, credit level, reserves, and documents are necessary for qualification.
The Lendersa® calculator can help you compare FHA rates and terms with other loan programs. Look into options like conventional, jumbo, VA, USDA, non-QM, and hard money loans to find what suits your needs best.
Lendersa® sources data from thousands of lenders, providing rapid comparisons that align with your financial profile and needs.
For 2026, view the Loan Limits Comparison Table in Houghton county, Houghton, MI. It covers FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loan maximums. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare critical qualifications like income, reserves, and credit.
| 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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