In the year 2026, the FHA loan limit for Wayne county, located in Plymouth, MI, stands at $472,030 for a single-family home, increasing to $604,400 for two-unit homes, $730,525 for three-unit homes, and reaching $907,900 for four-unit properties.
The maximum allowable loan amount for conventional loans is $726,200 for a single-family residence. For two-unit homes, the cap is $929,850, for three-unit buildings it's $1,123,900, and for four-unit residences, the limit climbs to $1,396,800.
Leverage our FHA calculator to explore today’s best FHA rates. It will help you calculate the necessary down payment and evaluate the required income, credit score, reserves, and needed documents for qualification.
With the Lendersa® calculator, you have the ability to compare FHA rates and terms against those of other lending programs. Explore options like conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans, all alongside FHA offerings.
Lendersa® aggregates data from thousands of lenders, instantly comparing it with your specific financial profile to align with your particular needs.
Refer to the Loan Limits Comparison Table for 2026 in Plymouth, within Wayne county, MI, to contrast maximum loan amounts available. It covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed analysis of qualification requirements such as income, reserves, and credit, utilize 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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