As of 2026, the FHA loan limits in the county of Saginaw, located in Saginaw, MI, are as follows: $472,030 for a single-family dwelling, $604,400 for properties with two units, $730,525 for properties containing three units, and $907,900 for properties with four units.
For conventional loans, the maximum permissible amount is $726,200 for a single-unit home, $929,850 for a property with 2 units, $1,123,900 for 3-unit buildings, and $1,396,800 for residences with 4 units.
Utilize our FHA calculator to discover today's most favorable FHA rates and to ascertain the necessary downpayment, income, credit score, reserve funds, and paperwork required for qualification.
The Lendersa® calculator provides the functionality to compare FHA rates and terms against those of other loan programs. Dive into comparisons involving Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, all alongside FHA.
Lendersa® rapidly retrieves loan program datasets from thousands of lenders, allowing you to see how these contrast with your detailed financial profile.
In 2026, the Loan Limits Comparison Table for Saginaw county in Saginaw, MI, includes a comprehensive comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To check the qualification prerequisites like income levels, reserves, and credit standards, utilize 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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