In 2026, the FHA loan limit in Richmond within Macomb, MI, is $472,030 for a single-family home. For 2-units it's $604,400, for 3-units $730,525, and for 4-units $907,900.
The maximum for conventional loans is $726,200 on a single-family. It increases to $929,850 for two-units, $1,123,900 for three-units, and reaches $1,396,800 for four-units.
Use our FHA calculator to see current FHA rates and determine the downpayment, income, credit, reserves, and documents needed for qualification.
Lendersa® calculator helps you compare FHA rates and terms with other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
It utilizes data from thousands of lenders, aligning it quickly with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Richmond, Macomb, MI, shows maximum loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess 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 |
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