In 2026, the FHA loan limits for Otsego county in Allegan, MI, are as follows: $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for those with three units, and $907,900 for four-unit dwellings. These limits address a variety of housing needs across the area.
For conventional loans, the maximum amount for a single-family residence is $726,200. For homes with two units, the limit increases to $929,850; for three units, it extends to $1,123,900; and for four units, it reaches $1,396,800. These figures cater to diverse housing configurations commonly found.
Use our FHA calculator to explore today’s best FHA rates and establish the necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator is an effective tool for comparing FHA rates and terms with those of other loan programs. Assess conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans, alongside FHA, to find the best fit for your financial needs. This broad comparison will guide you to the most suitable financing solution.
Lendersa® aggregates loan program data from thousands of sources, rapidly aligning it with your unique financial profile to generate precise and timely insights for informed decision-making.
The Loan Limits Comparison Table for 2026 in Otsego county of Allegan, MI details the maximum permissible amounts across FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money options. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to thoroughly assess essential qualification requirements, including income, reserves, and credit score considerations.
| 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 |
Otsego FHA Lenders |
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
