For the year 2026, in Rochester-Hills county within Oakland, MI, the FHA loan ceiling is $356,362 for a single-family home, $456,275 for two-unit homes, $551,500 for three-unit residences, and $685,400 for properties with four units.
The conventional loan limits for a single-family residence are $548,250, with amounts of $702,000 for two units, $848,500 for three units, and $1,054,500 for four-unit properties.
Use our FHA calculator to review today’s best FHA rates and calculate the downpayment, income, credit requirements, reserves, and documents you need to qualify.
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The Lendersa® calculator helps you contrast FHA rates and terms with other loan options. Explore and compare, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans by using FHA as a benchmark.
With data from thousands of lenders, Lendersa® efficiently evaluates these loan programs against your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Rochester-Hills county of Oakland, MI allows comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To review qualification requirements such as income, reserves, and credit, utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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