As of 2026, the FHA loan limit in St.-Louis county, Gratiot, MI, is set at $356,362 for a single-family home. For two units, it's $456,275, for three units $551,500, and for four units $685,400.
The maximum for conventional loans is $548,250 on a single-family home. For two units, the limit is $702,000, for three units $848,500, and for four units $1,054,500.
Utilize our FHA calculator to check today’s best FHA rates and determine the appropriate downpayment, income, credit requirements, reserves, and necessary documents needed to qualify.
The Lendersa® calculator helps you compare FHA rates and terms with other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® leverages loan program data from thousands of lenders to quickly compare these options against your unique financial profile and needs.
Check out the Loan Limits Comparison Table for 2026 in St.-Louis, Gratiot, MI. It includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for assessing criteria 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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