In 2025, the FHA loan limit in Pontiac, situated within Oakland, MI, is $472,030 for single-family homes. For two-unit properties, the limit is $604,400; for three-unit dwellings, it amounts to $730,525; and for four-unit buildings, it's $907,900.
When it comes to conventional loans, the maximum for a single-family residence reaches $726,200. For homes with two units, it's capped at $929,850, followed by $1,123,900 for three-unit structures, and $1,396,800 for those with four units.
Use our FHA calculator to uncover today's most favorable FHA rates and evaluate the required downpayment, income, credit standing, reserves, and documentation for qualification.
The Lendersa® calculator facilitates comparisons between FHA rates and terms and those of other loan programs. Delve into different options, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, evaluated alongside FHA.
Lendersa® swiftly gathers and analyzes data from thousands of lenders, tailoring it to your financial profile and needs.
The Loan Limits Comparison Table for 2025 in Pontiac, in Oakland, MI, compares the maximum allowable loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifications such as income, reserves, and credit requirements.
| 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 |
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
