Calculators
2026 and 2027 Loan Limits for Michigan
Every Michigan county has the same 2026 limits: $832,750 for a conforming loan and $541,287 for FHA on a one-unit home. Look up any county in the six states we serve, and see where 2027 stands.
- Every county in six states
- From FHFA and HUD
Find the 2026 limits for your county
Pick the state and county where the home is. Add the price and the cash you plan to put down if you want to see whether the loan fits under the limit. Nothing you enter is sent unless you choose to send it to Samantha.
Will the loan fit? (optional)
Choose a county to see its limits.
Limits from FHFA (conforming) and HUD (FHA) for 2026, for loans in that year. A limit caps the loan amount, not the price. It is not a credit decision or an offer. Align Lending LLC, NMLS #2041154. Equal Housing Opportunity.
Michigan, 2026
The same limits in all 83 counties
Michigan has no high-cost county, so these apply from Monroe to Marquette for loans in 2026.
Conforming: $832,750
One unit. Two units $1,066,250, three $1,288,800, four $1,601,750. Above these, a loan is a jumbo loan.
FHA: $541,287
One unit. Two units $693,050, three $837,700, four $1,041,125. Michigan sits at HUD's national floor.
VA: no limit
With full entitlement there is no VA loan limit. If part of your VA benefit is still in use on another VA loan, the county limit comes into play, and Samantha can work out what it means for you.
USDA: no loan limit
The USDA home loans Align arranges set no maximum loan amount. The home's location and the household's income decide eligibility.
USDA: no loan limit2027
Where the 2027 limits stand
Not announced yet
FHFA sets the next year's conforming limit each November, and HUD follows with FHA limits. The new limits take effect January 1, 2027.
Some lenders already lend higher
Some wholesale lenders are already approving one-unit loans up to about $845,000 to $850,000, the amount they expect FHFA to set. Each lender picks its own number and can change it until FHFA publishes.
Between the two limits?
If your loan lands between $832,750 and those early limits, do not assume it has to be jumbo. Samantha can tell you which lenders will treat it as conforming today.
Conforming limit FHA limit in a county at the national floor. Sources: FHFA and HUD, each year's announcement.
Other states we serve
Where the limits run higher
Every county in Ohio, North Carolina, Florida, Louisiana and Texas shares Michigan's conforming limit except one. FHA limits vary more.
Florida
Monroe County (the Keys) is the one higher conforming county, at $990,150. Sixteen Florida counties have higher FHA limits, up to $990,150.
Texas
Twenty-five counties have higher FHA limits, including the Austin, Dallas, Fort Worth and San Antonio areas.
Ohio and North Carolina
Ten Ohio counties around Columbus are at $591,100 for FHA. Nine North Carolina counties are higher, up to $805,000.
Louisiana
Every parish is at the national FHA floor of $541,287 and the conforming baseline of $832,750.
Questions about loan limits
If yours is not here, send Samantha the price and the county and she will walk through it with you.
Why is every Michigan county the same?
FHFA raises the conforming limit only where home values run well above the national level, and HUD’s FHA limits follow local prices. No Michigan county is high enough, so all 83 share the national figures.
Does the limit cap the price of the home?
No. A limit caps the loan amount. A home can cost more than the limit as long as the loan itself stays at or under it.
What happens if my loan is larger than the limit?
It becomes a jumbo loan, with its own guidelines. A home priced at or below the conforming limit can never need one. How jumbo loans work.
When will the 2027 limits come out?
FHFA announces in November; last year’s figures came out on November 25. This page changes to 2027 the day they are published. Loans in 2026 still use the 2026 limits.
Does a VA loan have a limit?
Not with full entitlement. If part of your VA benefit is still in use on another VA loan, the county limit comes into play, and Samantha can work out what it means for your purchase. VA Homebuyer Plan.
Keep going
Loans these limits apply to
Conventional loans
Fannie Mae and Freddie Mac loans up to the conforming limit.
Conventional loansFHA loans
Government-insured loans up to the FHA limit for the county.
FHA loansJumbo loans
Loans above the conforming limit.
Jumbo loansAll calculators
Every Align tool in one place, grouped by the question it answers.
All calculatorsAlign Lending LLC, NMLS #2041154, is a mortgage broker. Samantha Shelton, NMLS 1647301. Equal Housing Opportunity. Licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Limits are FHFA's conforming loan limits and HUD's FHA forward mortgage limits for 2026. Lender limits ahead of FHFA's 2027 announcement are each lender's own and can change. A limit is not a credit decision or an offer.
