In 2026, the FHA loan limit in Zeeland county, Ottawa, MI, is $472,030 for a single-family residence. This limit rises 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 home is $726,200. For two units, it stretches to $929,850, for three units $1,123,900, and for four units $1,396,800.
Utilize our FHA calculator to discover today’s best FHA rates and assess your downpayment, income, credit, reserves, and required documents for qualifying.
The Lendersa® calculator assists in comparing FHA rates and terms with other programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® accesses data from thousands of lenders, enabling quick, tailored comparisons to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Zeeland county, Ottawa, MI, showcases maximum loan amounts for 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 compare requirements like 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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