In 2026, the FHA loan limit in Niles county, Berrien, MI is $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units. These figures cater to various housing needs and configurations.
The maximum conventional loan amount for a single-family residence is $726,200. For residences with two units, the limit is $929,850; for three units, it's $1,123,900; and for properties with four units, it reaches $1,396,800. These values accommodate different housing types under conventional financing.
Utilize our FHA calculator to find today’s competitive FHA rates and determine what downpayment, income level, credit qualifications, reserves, and documents are needed to qualify for a loan.
The Lendersa® calculator allows you to compare FHA rates and terms with other loan programs. Consider a wide range of options, including conventional, jumbo, VA, USDA, non-QM, and hard money loans, to match your financial needs.
Lendersa® gathers comprehensive loan program data from thousands of lenders, providing quick and personalized comparisons against your financial profile and needs, aiding in better decision-making.
The Loan Limits Comparison Table for 2026 in Niles county, Berrien, MI, provides insights into maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification requirements, including income, reserves, and credit aspects crucial for securing suitable loans.
| 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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