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.
Lendersa® swiftly analyzes lending program details sourced from myriad lenders, aligning them with your personal financial circumstances in mere moments.
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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