During 2026, the FHA loan limit in Owosso county of Shiawassee, MI, is set at $472,030 for a single-family home. For properties with two units, it is $604,400; for three-unit properties, the limit reaches $730,525; and for four-unit residences, it reaches up to $907,900.
Regarding conventional loans, the maximum sum available on a single-family home is $726,200. For two-unit homes, this climbs to $929,850; for those with three units, it becomes $1,123,900; and for four-unit homes, it peaks at $1,396,800.
Utilize our FHA calculator to find the best FHA rates available today and ascertain the downpayment, income level, credit requirements, reserves, and necessary documents for qualification.
With the Lendersa® calculator, you can effortlessly compare FHA rates and terms against a broad range of other loan programs. Delve into possibilities such as conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans along with FHA.
Lendersa® gathers extensive loan program data from thousands of lenders and promptly processes it against your financial profile to address your specific needs.
For 2026, the Loan Limits Comparison Table for Owosso county in Shiawassee, MI, outlines various maximum loan amounts across FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loan types. To fully understand qualification criteria—such as income, reserves, and credit reliance—opt to use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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