$832,750
The same one-unit conforming limit appears throughout the state’s FHFA records. This cap applies to the loan, not the sale price.
Compare Michigan mortgage rates—and the costs behind them.
There is no single mortgage rate for every Michigan borrower. Match the loan type, amount, points and lock period before comparing written offers. Then check your county’s loan limit, property expenses and assistance terms so a smaller estimate does not hide a larger bill.
Educational coverage does not guarantee an available originator. You choose whether to share contact details.
What should a Michigan mortgage shopper check first?
Start with the property’s county or equivalent area, the number of units, and the lender’s authority to originate your loan.
83 areas
Alcona County and the other areas in the table share this one-unit limit. Taxes, insurance and assistance eligibility can still differ.
Michigan State Housing Development Authority
Use the agency’s current information to check programs and participating lenders.
Visit the housing agency ↗Sources: FHFA’s 2026 county table and NCSHA’s state agency directory. Checked September 20, 2026.
2026 Michigan conforming loan limits by county
Use the property’s exact jurisdiction and unit count. Being below the limit does not establish approval, a down-payment requirement or a rate; ask whether a quote uses standard conforming, high-balance or jumbo pricing.
83 of 83 areas shown. Source: FHFA 2026 county table. Search changes this table only.
| County or equivalent area | Maximum loan amount |
|---|---|
| Alcona County | $832,750 |
| Alger County | $832,750 |
| Allegan County | $832,750 |
| Alpena County | $832,750 |
| Antrim County | $832,750 |
| Arenac County | $832,750 |
| Baraga County | $832,750 |
| Barry County | $832,750 |
| Bay County | $832,750 |
| Benzie County | $832,750 |
| Berrien County | $832,750 |
| Branch County | $832,750 |
| Calhoun County | $832,750 |
| Cass County | $832,750 |
| Charlevoix County | $832,750 |
| Cheboygan County | $832,750 |
| Chippewa County | $832,750 |
| Clare County | $832,750 |
| Clinton County | $832,750 |
| Crawford County | $832,750 |
| Delta County | $832,750 |
| Dickinson County | $832,750 |
| Eaton County | $832,750 |
| Emmet County | $832,750 |
| Genesee County | $832,750 |
| Gladwin County | $832,750 |
| Gogebic County | $832,750 |
| Grand Traverse County | $832,750 |
| Gratiot County | $832,750 |
| Hillsdale County | $832,750 |
| Houghton County | $832,750 |
| Huron County | $832,750 |
| Ingham County | $832,750 |
| Ionia County | $832,750 |
| Iosco County | $832,750 |
| Iron County | $832,750 |
| Isabella County | $832,750 |
| Jackson County | $832,750 |
| Kalamazoo County | $832,750 |
| Kalkaska County | $832,750 |
| Kent County | $832,750 |
| Keweenaw County | $832,750 |
| Lake County | $832,750 |
| Lapeer County | $832,750 |
| Leelanau County | $832,750 |
| Lenawee County | $832,750 |
| Livingston County | $832,750 |
| Luce County | $832,750 |
| Mackinac County | $832,750 |
| Macomb County | $832,750 |
| Manistee County | $832,750 |
| Marquette County | $832,750 |
| Mason County | $832,750 |
| Mecosta County | $832,750 |
| Menominee County | $832,750 |
| Midland County | $832,750 |
| Missaukee County | $832,750 |
| Monroe County | $832,750 |
| Montcalm County | $832,750 |
| Montmorency County | $832,750 |
| Muskegon County | $832,750 |
| Newaygo County | $832,750 |
| Oakland County | $832,750 |
| Oceana County | $832,750 |
| Ogemaw County | $832,750 |
| Ontonagon County | $832,750 |
| Osceola County | $832,750 |
| Oscoda County | $832,750 |
| Otsego County | $832,750 |
| Ottawa County | $832,750 |
| Presque Isle County | $832,750 |
| Roscommon County | $832,750 |
| Saginaw County | $832,750 |
| St. Clair County | $832,750 |
| St. Joseph County | $832,750 |
| Sanilac County | $832,750 |
| Schoolcraft County | $832,750 |
| Shiawassee County | $832,750 |
| Tuscola County | $832,750 |
| Van Buren County | $832,750 |
| Washtenaw County | $832,750 |
| Wayne County | $832,750 |
| Wexford County | $832,750 |
County-equivalent names follow FHFA’s table, including parishes, boroughs, planning regions and independent cities. Confirm the property’s jurisdiction with your lender. FHA limits are separate.
Original FHFA table, all counties (PDF) · Current FHFA releases · HUD’s separate FHA limit lookup. This is a dated 2026 reference, not a live underwriting feed.
Where should I look for Michigan down-payment help?
Michigan State Housing Development Authority is the state housing-agency starting point listed by NCSHA. A directory listing does not mean every program is open or every applicant qualifies.
Ask for two complete options
Request a written comparison with and without assistance. Include the first mortgage’s rate and fees, the assistance balance, any monthly payment, and the amount due if you sell or refinance. Cash saved today and total financing cost are different questions.
- Is this a grant, forgivable loan or repayable second mortgage?
- Are there income, purchase-price, location or first-time-buyer rules?
- Which lenders are approved, and is homebuyer education required?
- What happens when you move, sell, refinance or repay early?
How can I compare Michigan quotes without misleading totals?
Keep property costs and timing assumptions consistent, then compare lender-controlled pricing and the cost over your expected time in the loan.
| Check | Ask for | Why it matters |
|---|---|---|
| Rate, points and credits | The same loan amount, structure and lock period | A rate bought with points is not the same offer as a zero-point quote. |
| Property taxes | The actual jurisdiction and an estimate appropriate to the purchase | Ask the local tax authority whether the seller’s exemptions or assessment will apply to you. |
| Insurance and association costs | A property-specific insurance quote, deductibles, HOA dues and known assessments | Ask about required flood or other coverage; generic monthly placeholders can understate the budget. |
| Title, settlement and government charges | An itemized provider estimate and who pays each charge | Confirm local charges and contract allocations instead of assuming one statewide closing-cost percentage. |
| Prepaids and escrow | The same closing date, insurance premium and tax assumptions | Lower reserves or fewer prepaid days can reduce cash to close without improving the loan price. |
See the CFPB Loan Estimate explainer. Use the SLR comparison worksheet to keep estimates organized.
How do I verify a Michigan loan officer?
Match the person’s NMLS identifier, company and current licensing or registration record in NMLS Consumer Access. Confirm authority for your property state; bank originators and state-licensed originators can have different registration structures. If the record is unclear, check with the listed regulator before sending sensitive documents.
SLR’s educational pages do not confer licensing or represent every lender. Check participating originators and decide separately whom to contact.
Where can I see current mortgage-rate context?
The market dashboard labels national benchmarks by source and observation date. Those figures are not measured Michigan rates or available loan offers. Reprice your own scenario with the lender when your property, loan details or lock timing changes.
Find the right starting point in Michigan
Buying your first home?
Compare a lender’s document review, communication and experience with assistance programs. Check current programs and approved lenders with Michigan State Housing Development Authority before counting on funds.
Use the first-time buyer comparison →Working through credit challenges?
Ask which loan programs fit your complete file and whether the lender has requirements beyond the program minimum. State assistance eligibility and mortgage approval are separate reviews.
Prepare a credit and mortgage plan →Choosing between loan officers?
Compare written terms for the same Michigan property and verify current licensing or registration. A directory listing does not establish the lowest price or represent every provider.
Build a lender comparison →Browse participating Michigan originators →
Considering a refinance? Compare costs and your payoff timeline. Exploring home equity? Check combined payments and repayment terms before borrowing.
Michigan mortgage questions
What is the 2026 conforming loan limit in Michigan?
The 2026 one-unit limit is $832,750 across the 83 county-equivalent areas in FHFA’s Michigan table. Two- to four-unit limits differ. This is a loan-amount limit, not a home-price cap or an approval.
Where can I find Michigan homebuyer assistance information?
Start with Michigan State Housing Development Authority, listed in NCSHA’s state agency directory. Ask about currently open programs, approved lenders, income and purchase-price limits, education, and whether assistance must be repaid. Agency listing does not establish your eligibility or program funding.
Are the rates on this page actual Michigan offers?
No. The market link provides dated national benchmarks. An actual Michigan quote requires your loan and property details, current lender pricing and a defined lock period. Educational coverage of this state does not guarantee an available SLR originator.