For the year 2026, the FHA loan limits in Port-Huron, located within St. Clair, MI, are $356,362 for a single-family residence, $456,275 for a two-unit property, $551,500 for a three-unit building, and $685,400 for four-unit structures.
Regarding conventional loans, the maximum amount permitted on a single-family residence is $548,250. For homes with two units, the limit is $702,000; for those with three units, it is $848,500; and for four-unit homes, the cap is $1,054,500.
Utilize our FHA calculator to explore today's favorable FHA rates and determine the necessary downpayment, required income level, credit needs, reserves, and documentation needed for eligibility.
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With Lendersa® calculator, you can juxtapose FHA rates and terms with those of other financing options, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA possibilities.
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For 2026, the Loan Limits Comparison Table for Port-Huron county within St. Clair, MI, details the maximum amounts allowed 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™) to further assess qualification criteria such as income, reserve levels, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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