In 2026, FHA loan limits in Three-Rivers county, St. Joseph, MI are as follows: $356,362 for a single-family home, $456,275 for 2-unit properties, $551,500 for 3-units, and $685,400 for 4-units.
The maximum conventional loan amount for a single-family residence is $548,250. For two units, it's $702,000, for three units $848,500, and for four units, $1,054,500.
Use our FHA calculator to access today’s best FHA rates and see the necessary downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator enables you to compare FHA rates and terms with other loan programs, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® gathers loan program data from thousands of lenders and quickly compares it to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Three-Rivers county, St. Joseph, MI, showcases maximum loan amounts for FHA, conventional, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate income, reserves, and credit for qualification.
| 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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