In 2026, FHA loan limits for Laurium, Houghton, MI, are $472,030 for a single-family, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
Conventional loan caps are $726,200 for a single-family house, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Our FHA calculator shows today’s best FHA rates and helps determine downpayment, income, credit score, reserves, and required documents to qualify.
With Lendersa® calculator, compare FHA rates and terms with other loan products like Conventional, Jumbo, VA, USDA, Non-QM, and hard money.
Lendersa® consolidates data from thousands of lenders, aligning them with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Laurium, Houghton, MI covers FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage, and hard money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for income, reserves, and credit assessments.
| 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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