For 2026, FHA loan limits in Sturgis county of St. Joseph, MI are $472,030 for single-family homes, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
For conventional loans, the maximum amounts allowed for a single-family residence are $726,200. Two-unit homes can receive up to $929,850, three units go up to $1,123,900, and four-unit homes reach $1,396,800.
Use our FHA calculator to determine today’s best FHA rates, necessary downpayment, income, credit, reserves, and documents required to qualify.
Use the Lendersa® calculator to compare FHA rates and terms with those of other loan programs, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® pulls data from thousands of lenders, providing tailored comparisons quickly suited to your financial profile.
For 2026 in Sturgis county, St. Joseph, MI, the Loan Limits Comparison covers FHA, conventional, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for evaluating income, reserves, and credit qualifications.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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