In the year 2026, within the boundaries of Howell county in Livingston, MI, the FHA loan limit is established at $472,030 for single-family homes. For properties having two units, the allowance rises to $604,400. Meanwhile, for structures with three units, the limit is set at $730,525, and for those with four units, it increases to $907,900.
On the other hand, for conventional loans, the maximum allowable amount for a single-family residence hits $726,200. In comparison, a two-unit residence can avail up to $929,850, with a cap of $1,123,900 for three-unit dwellings, while for a four-unit building, the upper level is $1,396,800.
Make use of our FHA calculator to unveil today's top FHA interest rates and help ascertain what you need in terms of the downpayment, personal income, credit standing, financial reserves, and necessary documentation to qualify for a loan.
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The innovative Lendersa® calculator empowers you to evaluate and contrast the rates and terms of FHA loans with those of numerous other loan programs. Such comparison covers a wide range including Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM loans, as well as hard money lending options, all set against the backdrop of FHA offerings.
Leveraging cutting-edge technology, Lendersa® sources comprehensive loan program data from an extensive array of thousands of lenders. Within seconds, it meticulously matches this information to your distinctive financial profile and specific needs, offering you tailored and optimized loan scenarios.
The Loan Limits Comparison Table for the year 2026, relevant to Howell county in Livingston, MI, serves as a detailed guide to comparing maximum loan amounts. This encompasses FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan categories. For a complete comparison of qualification needs—including income thresholds, reserve requirements, and credit prerequisites—utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™). This tool is designed to simplify and enhance your loan evaluation and decision-making process.
| 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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