State loan-limit landscape
Michigan 2026 county loan-limit landscape
How conforming and FHA one-unit limits vary across Michigan counties and how borrowers can use them responsibly.
Source: Federal Housing Finance Agency + U.S. Department of Housing and Urban Development
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
The local figures answer the first question: Michigan's statewide summary covers 83 county or county-equivalent records. Within those records, the 2026 one-unit conforming limit runs from $832,750 to $832,750. That range can still help borrowers see why the property county must be identified before a loan amount is assigned a conforming or jumbo category. For borrower planning, the matched records share a one-unit conforming figure of $832,750, but the applicable county row still must be verified for a property. The 83 record count keeps the range tied to the statewide source coverage instead of an assumed national rule. The $832,750 to $832,750 amounts classify loan size within the published program table; they do not establish a borrower's capacity, a property's value, or the price of financing. Before using the $832,750 statewide maximum, county, legal unit count, and expected base loan amount must be known.
Across the same 83 Michigan records, the 2026 one-unit FHA limit spans $541,287 to $541,287. In practical terms, the matched FHA rows share $541,287, although property geography and current program guidance still require confirmation. The $541,287 floor and $541,287 high remain county-table values even when they match conforming amounts elsewhere.