In 2026, the FHA loan limits for properties in Southgate county of Wayne, MI are $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three-unit buildings, and $907,900 for four units.
For conventional loans, the highest allowable amount for a single-family residence is $726,200, increasing to $929,850 for two-unit homes, $1,123,900 for three-unit homes, and $1,396,800 for four-unit homes.
Utilize our FHA calculator, designed to show today's top FHA rates, and assess the necessary down payment, income, credit, reserves, and documentation requirements to qualify.
The Lendersa® calculator lets you comprehensively compare the rates and terms of FHA loans with other available loan programs. Evaluate Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® performs quick cross-referencing of your specific financial profile against data from a vast array of lenders.
For 2026 in Southgate county, Wayne, MI, consult the Loan Limits Comparison Table to review maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, HECM, and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine qualification criteria like income, reserves, and credit needs.
| 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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