During 2025, in the county of Oakland, within Troy, MI, the FHA loan limits are set at $472,030 for a single-family home, $604,400 for properties comprising two units, $730,525 for those with three units, and $907,900 for four-unit properties.
For conventional loans, the caps are $726,200 for single-family residences, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for properties with four units.
Utilize our FHA calculator to uncover today's most competitive FHA rates and determine the downpayment, income level, credit requirements, reserves, and necessary documentation to qualify.
By using the Lendersa® calculator, you can juxtapose FHA rates and terms with those of other financing options. Investigate and compare them across a spectrum that includes Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly gathers data from thousands of lenders, aligning it with your distinct financial profile and needs.
For 2025 in Troy county of Oakland, MI, the Loan Limits Comparison Table offers insights into FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Review qualification aspects such as income, reserves, and credit by using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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