FHA loan limits for 2026 in Royal-Oak, located in Oakland, MI, are as follows: $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
The maximum loan amounts for conventional loans on a single family home are $548,250, with $702,000 for properties with two units, $848,500 for three-unit homes, and $1,054,500 for four-unit dwellings.
Try our FHA calculator today to find the best rates and determine necessary downpayment, income, credit score, reserves, and documentation needed for qualification.
The Lendersa® calculator provides a comparison of FHA rates and terms with other loan programs. Explore and compare options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® efficiently compiles loan program data from thousands of lenders and promptly compares it against your specific financial profile and requirements.
For 2026 in Royal-Oak, within Oakland, MI, the Loan Limits Comparison Table demonstrates the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification needs like income, reserves, and credit criteria.
| 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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