For 2026, in St.-Clair-Shores county of Macomb, MI, the FHA loan limits are as follows: $356,362 for single-family homes, $456,275 for two-unit properties, $551,500 for three units, and $685,400 for four units.
With regard to conventional loans, the maximum amount for a single-family home is $548,250. For properties with two units, it's $702,000, increasing to $848,500 for three units, and $1,054,500 for those with four units.
Utilize our FHA calculator to review today's top FHA rates and determine the required downpayment, income standards, credit criteria, reserves, and documents necessary for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against other loan program options. Investigate and explore with FHA alongside Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® offers quick access to loan program data from numerous lenders, comparing it seamlessly with your individual financial profile and requirements.
The Loan Limits Comparison Table for 2026 in St.-Clair-Shores county of Macomb, MI provides a detailed comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For evaluating qualification needs like income, reserves, and credit, turn to the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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