For 2026, FHA loan limits in Sparta, Kent, MI are $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum conventional loan for a single-family residence is $726,200. It increases to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to find today’s best FHA rates and to determine the necessary downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator helps compare FHA rates and terms with those from other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Collecting data from thousands of lenders, Lendersa® quickly matches it to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Sparta, Kent, MI, shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for evaluating income, reserves, and credit requirements.
| 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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