For 2026, FHA loan limits in Wayne county of Wayne, MI, are $472,030 for a single-family home. Properties with two units have a ceiling of $604,400, those with three have a limit of $730,525, and four-unit homes can borrow up to $907,900. These values accommodate a range of housing configurations.
The highest lending amounts for conventional loans on a single-family home are $726,200 for standalone properties. For homes with two units, the maximum is $929,850; for three units, it's $1,123,900; and for four units, the cap is $1,396,800. These figures help meet various housing needs within the conventional framework.
Use our FHA calculator to view today’s top FHA rates and determine the necessary downpayment, income requirements, credit assessment, reserves, and documentations vital for qualification.
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The Lendersa® calculator is your tool for comparing FHA rates and terms with other loan programs, such as conventional, jumbo, VA, USDA, non-QM, and hard money loans. This exploration offers insights into various financing packages available.
Lendersa® curates extensive loan program data from thousands of lenders and quickly aligns it with your unique financial profile for tailored comparisons, enabling informed decision-making.
The Loan Limits Comparison Table for 2026 in Wayne county, Wayne, MI, allows you to evaluate maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money options. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess critical qualification elements like income, reserves, and credit scores efficiently.
| 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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