As of 2026, the FHA loan limits in Southfield of Oakland, MI are $472,030 for a single-family home. For properties with two units, the limit is $604,400; for three units, it's $730,525; and for four-unit homes, the cap is $907,900.
The maximum allowable amount for conventional loans on a single-family residence is $726,200. For two-unit properties, the limit increases to $929,850, followed by $1,123,900 for three-unit homes, and $1,396,800 for properties with four units.
Try using our FHA calculator to explore today's best FHA rates and determine the necessary downpayment, income levels, credit standing, reserve requirements, and documents necessary for qualification.
The Lendersa® calculator facilitates the comparison of FHA rates and terms alongside those from other loan programs. Investigate options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, all in the context of FHA offerings.
Lendersa® collects comprehensive loan program data from thousands of lenders, allowing rapid comparison against your distinct financial profile and needs.
The Loan Limits Comparison Table for 2026 in Southfield within Oakland, MI, shows the maximum limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand qualification factors like income, reserves, and credit requirements, 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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