Michigan FHA Loan Limits 2026

View FHA loan limits for all 83 counties in Michigan. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$541,287

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Michigan has 83 standard-limit counties. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Alcona County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Alger County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Allegan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Alpena County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Antrim County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Arenac County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Baraga County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Barry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Benzie County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Berrien County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Branch County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Calhoun County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cass County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Charlevoix Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cheboygan Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chippewa Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clare County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clinton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crawford Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Delta County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dickinson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Eaton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Emmet County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Genesee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gladwin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gogebic County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grand Traverse	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gratiot County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hillsdale Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Houghton Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Huron County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ingham County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ionia County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Iosco County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Iron County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Isabella Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kalamazoo Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kalkaska Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kent County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Keweenaw Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lake County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lapeer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Leelanau Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lenawee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Livingston Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Luce County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mackinac Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Macomb County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Manistee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marquette Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mason County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mecosta County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Menominee Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Midland County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Missaukee Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Monroe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montcalm Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montmorency Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Muskegon Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Newaygo County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oakland County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oceana County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ogemaw County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ontonagon Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Osceola County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oscoda County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Otsego County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ottawa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Presque Isle C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Roscommon Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Saginaw County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sanilac County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Schoolcraft Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Shiawassee Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Clair Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Joseph Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tuscola County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Van Buren Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washtenaw Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wayne County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wexford County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Michigan

Use the calculator below with Michigan pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

Free, no obligation. Local professionals compete to help you.

Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

Related Calculators

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Understanding FHA Loan Limits in Michigan

FHA loan limits in Michigan vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Michigan's single-family FHA limits range from $541,287 to $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.