In the year 2026, FHA loan limits in Sterling-Heights county, which is part of Macomb, MI, are as follows: $356,362 for a one-unit residence, $456,275 for two-unit homes, $551,500 covering three units, and $685,400 applicable to four-unit properties.
Regarding conventional loans, the cap for a single-family home stands at $548,250. For homes with two units, it's set at $702,000, while three-unit and four-unit limits are $848,500 and $1,054,500, respectively.
Utilize our FHA calculator to find the most competitive FHA rates available today. It will also guide you on the necessary downpayment, income, credit score, reserve requirements, and documentation eligibility.
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Using the Lendersa® calculator, you can easily compare FHA rates and terms alongside other loan options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
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For the year 2026, the Loan Limits Comparison Table offers insight into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money across Sterling-Heights county in Macomb, MI. To review qualification criteria such as income levels, required reserves, and credit standards, use 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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