In 2026, within Berrien county of MI, the FHA loan limit for St.-Joseph is $356,362 for a single-family home, scaling to $456,275 for two units, $551,500 for three units, and $685,400 for four units.
For conventional loans, the maximum is $548,250 for a single-family residence. It increases to $702,000 for two-unit properties, $848,500 for three-unit homes, and $1,054,500 for four-unit structures.
Check our FHA calculator for the best current rates, downpayment estimates, and qualification necessities, including income, credit score, reserves, and required documentation.
With the Lendersa® calculator, evaluate FHA rates versus other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compares thousands of lenders' data quickly, tailoring options to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in St.-Joseph county, Berrien, MI, allows you to compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage, and hard money loan maximums. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for requirement details like income, reserves, and credit.
| 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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