In 2026, the FHA loan limits for Romulus county in Wayne, MI, are as follows: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units. These limits cater to varying residence sizes and configurations.
The maximum allowed for conventional loans on a single-family residence is $726,200, with two-unit properties capped at $929,850, three-unit homes at $1,123,900, and four-unit properties at $1,396,800. These figures accommodate the diversity in housing structures.
Utilize our FHA calculator to determine the best FHA rates available today and find out the downpayment, income, credit, reserves, and documentation requirements for qualification.
Use the Lendersa® calculator to compare FHA rates and terms with other loan programs. Options include conventional, jumbo, VA, USDA, non-QM, and hard money loans, allowing for a broad comparison.
Lendersa® gathers data from thousands of lenders, enabling rapid comparison tailored to your unique financial profile and needs, ensuring a personalized fit.
The Loan Limits Comparison Table for 2026 within Romulus county, Wayne, MI, allows you to examine maximum loan amounts across FHA, conventional, jumbo, USDA, VA, non-QM, super jumbo, and reverse mortgage (HECM), as well as hard money loans. To assess qualification requirements such as income, reserves, and credit, use the 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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