In 2026, the FHA loan limit for Portland county, Ionia, MI, is set at $472,030 for a single-family home. It adjusts to $604,400 for two units, increases to $730,525 for three units, and reaches $907,900 for four units.
The conventional loan maximum for a single-family residence is $726,200. The limit extends to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use the FHA calculator to discover today’s most competitive FHA rates and calculate your downpayment, income, credit score, reserves, and documents required for qualifying.
The Lendersa® calculator facilitates comparison of FHA rates and terms alongside other programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles loan data from thousands of lenders, swiftly aligning it with your financial profile and requisites.
The Loan Limits Comparison Table for 2026 in Portland, Ionia, MI, provides detail on maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate requirements like income, reserves, and credit using 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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