As of 2026, the FHA loan limits in Oak-Park county, Oakland, MI are $356,362 for single-family homes, $456,275 for duplexes, $551,500 for triplexes, and $685,400 for four-unit properties.
For conventional loans, the highest amount you can borrow for a single-family home is $548,250. Two-unit residences have a cap of $702,000, three-unit homes at $848,500, and four-unit homes at $1,054,500.
Check out our FHA calculator to find today's best FHA rates and calculate the required down payment, income, credit score, reserves, and documents for eligibility.
With the Lendersa® calculator, you can compare FHA rates and terms alongside those of other loan types. Discover and compare options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly analyzes your financial details against the data from thousands of lenders.
In 2026, the Loan Limits Comparison Table for Oak-Park county, Oakland, MI contrasts FHA, Conventional, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. For qualification criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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