For 2026, FHA loan limits in Traverse-City, part of Grand Traverse, MI, are as follows: $356,362 for single-family homes, $456,275 for properties with two units, $551,500 for three units, and $685,400 for four-unit residences.
Regarding conventional loans, the limit is $548,250 for single-family houses, increasing to $702,000 for two units, $848,500 for three-unit homes, and $1,054,500 for four units.
Use our FHA calculator to discover today’s top FHA rates, and ascertain the necessary downpayment, income, credit requirements, reserves, and supporting documents required for qualification.
The Lendersa® calculator allows users to compare FHA rates and terms alongside all other loan program options. Explore alternatives, including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, in conjunction with FHA.
Lendersa® compiles data from thousands of lenders, efficiently comparing these loans against your personal financial profile and requirements in seconds.
The Loan Limits Comparison Table for 2026 in Traverse-City county of Grand Traverse, MI provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To review qualification aspects such as income, reserves, and credit standing, 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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