In 2026, the FHA loan limit in Utica, Macomb, MI, is $472,030 for a single-family home, increasing to $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum for conventional loans on a single-family residence is $726,200, expanding to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Use our FHA calculator to view today’s best FHA rates and determine the downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator helps compare FHA rates and terms alongside other loan options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources data from thousands of lenders, providing quick comparisons aligned with your financial profile and needs.
Check the Loan Limits Comparison Table for 2026 in Utica, Macomb, MI, for maximum amounts on FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to look into qualification requirements such as income, reserves, and credit.
| 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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