In the year 2026, the FHA loan limit within the Petoskey section of Emmet county in MI is set at $472,030 for a single-family residence. For two-unit structures, the limit is $604,400, it increases to $730,525 for three units, and for four-unit configurations, it reaches $907,900.
Conversely, the ceiling for conventional loan amounts on a single-family home is $726,200. This extends to $929,850 for a two-unit home, $1,123,900 for three-unit residences, and peaks at $1,396,800 for four-unit buildings.
Utilize our FHA calculator to discover today's top FHA rates and to calculate the needed downpayment, required income, credit scores, reserves, and supporting documents necessary for qualification.
With the Lendersa® calculator, you have the opportunity to compare FHA rates and terms alongside those of other loan options. Delve into comparisons for Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA options.
By gathering data from a wide array of lenders, Lendersa® provides quick comparisons that are matched with your particular financial profile and needs.
The Loan Limits Comparison Table for 2026 in Petoskey county, Emmet, MI, lets you weigh the maximum loan limits 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™) for evaluating requirements such as income, reserves, and credit scores.
| 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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