As of 2026, the FHA loan limits in Monroe, situated in Monroe, MI, are set at $472,030 for single-family homes. The limits extend to $604,400 for two-unit homes, $730,525 for three-unit properties, and $907,900 for four units.
In the case of conventional loans, the maximum amount for a single-family residence is $726,200. For homes with two units, the cap is $929,850, stretching to $1,123,900 for those with three units, and $1,396,800 for four-unit homes.
Take advantage of our FHA calculator to access today’s top FHA rates and determine needed downpayment, income levels, credit, reserves, and documents for qualification.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with those offered by other programs. Investigate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently gathers and analyzes loan program data from multiple lenders, matching it with your detailed financial profile.
The Loan Limits Comparison Table for 2026 in Monroe, county of Monroe, MI, provides comparisons for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate requirements such as income, reserves, and credit criteria.
| 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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