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Michigan Mortgages

Michigan FHA Mortgage

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For Michigan, the FHA loan limits are at $271,050 for all counties.

As of January 1, 2014, HUD approves new lower loan limits to take effect for FHA single-family loans. The current standard loan limit for areas where housing costs are relatively low will remain unchanged at $271,050. The new national-ceiling loan limit for the very highest cost areas will be reduced from $729,750 to $625,500. See the chart below for loan limits in your county.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
Alcona $271,050 $347,000 $419,425 $521,250 $86,000
Alger $271,050 $347,000 $419,425 $521,250 $86,000
Allegan $271,050 $347,000 $419,425 $521,250 $127,000
Alpena $271,050 $347,000 $419,425 $521,250 $80,000
Antrim $271,050 $347,000 $419,425 $521,250 $106,000
Arenac $271,050 $347,000 $419,425 $521,250 $76,000
Baraga $271,050 $347,000 $419,425 $521,250 $72,000
Barry $271,050 $347,000 $419,425 $521,250 $141,000
Bay $271,050 $347,000 $419,425 $521,250 $75,000
Benzie $271,050 $347,000 $419,425 $521,250 $200,000
Berrien $271,050 $347,000 $419,425 $521,250 $135,000
Branch $271,050 $347,000 $419,425 $521,250 $73,000
Calhoun $271,050 $347,000 $419,425 $521,250 $78,000
Cass $271,050 $347,000 $419,425 $521,250 $126,000
Charlevoix $271,050 $347,000 $419,425 $521,250 $120,000
Cheboygan $271,050 $347,000 $419,425 $521,250 $96,000
Chippewa $271,050 $347,000 $419,425 $521,250 $75,000
Clare $271,050 $347,000 $419,425 $521,250 $69,000
Clinton $271,050 $347,000 $419,425 $521,250 $142,000
Crawford $271,050 $347,000 $419,425 $521,250 $81,000
Delta $271,050 $347,000 $419,425 $521,250 $75,000
Dickinson $271,050 $347,000 $419,425 $521,250 $55,000
Eaton $271,050 $347,000 $419,425 $521,250 $142,000
Emmet $271,050 $347,000 $419,425 $521,250 $148,000
Genesee $271,050 $347,000 $419,425 $521,250 $67,000
Gladwin $271,050 $347,000 $419,425 $521,250 $71,000
Gogebic $271,050 $347,000 $419,425 $521,250 $39,000
Grand Traverse $271,050 $347,000 $419,425 $521,250 $200,000
Gratiot $271,050 $347,000 $419,425 $521,250 $63,000
Hillsdale $271,050 $347,000 $419,425 $521,250 $75,000
Houghton $271,050 $347,000 $419,425 $521,250 $85,000
Huron $271,050 $347,000 $419,425 $521,250 $79,000
Ingham $271,050 $347,000 $419,425 $521,250 $142,000
Ionia $271,050 $347,000 $419,425 $521,250 $84,000
Iosco $271,050 $347,000 $419,425 $521,250 $74,000
Iron $271,050 $347,000 $419,425 $521,250 $51,000
Isabella $271,050 $347,000 $419,425 $521,250 $85,000
Jackson $271,050 $347,000 $419,425 $521,250 $87,000
Kalamazoo $271,050 $347,000 $419,425 $521,250 $129,000
Kalkaska $271,050 $347,000 $419,425 $521,250 $200,000
Kent $271,050 $347,000 $419,425 $521,250 $141,000
Keweenaw $271,050 $347,000 $419,425 $521,250 $85,000
Lake $271,050 $347,000 $419,425 $521,250 $70,000
Lapeer $271,050 $347,000 $419,425 $521,250 $178,000
Leelanau $271,050 $347,000 $419,425 $521,250 $200,000
Lenawee $271,050 $347,000 $419,425 $521,250 $98,000
Livingston $271,050 $347,000 $419,425 $521,250 $178,000
Luce $271,050 $347,000 $419,425 $521,250 $74,000
Mackinac $271,050 $347,000 $419,425 $521,250 $88,000
Macomb $271,050 $347,000 $419,425 $521,250 $178,000
Manistee $271,050 $347,000 $419,425 $521,250 $79,000
Marquette $271,050 $347,000 $419,425 $521,250 $125,000
Mason $271,050 $347,000 $419,425 $521,250 $60,000
Mecosta $271,050 $347,000 $419,425 $521,250 $88,000
Menominee $271,050 $347,000 $419,425 $521,250 $48,000
Midland $271,050 $347,000 $419,425 $521,250 $117,000
Missaukee $271,050 $347,000 $419,425 $521,250 $90,000
Monroe $271,050 $347,000 $419,425 $521,250 $129,000
Montcalm $271,050 $347,000 $419,425 $521,250 $141,000
Montmorency $271,050 $347,000 $419,425 $521,250 $39,000
Muskegon $271,050 $347,000 $419,425 $521,250 $84,000
Newaygo $271,050 $347,000 $419,425 $521,250 $124,000
Oakland $271,050 $347,000 $419,425 $521,250 $178,000
Oceana $271,050 $347,000 $419,425 $521,250 $78,000
Ogemaw $271,050 $347,000 $419,425 $521,250 $78,000
Ontonagon $271,050 $347,000 $419,425 $521,250 $37,000
Osceola $271,050 $347,000 $419,425 $521,250 $65,000
Oscoda $271,050 $347,000 $419,425 $521,250 $64,000
Otsego $271,050 $347,000 $419,425 $521,250 $108,000
Ottawa $271,050 $347,000 $419,425 $521,250 $141,000
Presque Isle $271,050 $347,000 $419,425 $521,250 $77,000
Roscommon $271,050 $347,000 $419,425 $521,250 $62,000
Saginaw $271,050 $347,000 $419,425 $521,250 $82,000
Sanilac $271,050 $347,000 $419,425 $521,250 $65,000
Schoolcraft $271,050 $347,000 $419,425 $521,250 $73,000
Shiawassee $271,050 $347,000 $419,425 $521,250 $75,000
St. Clair $271,050 $347,000 $419,425 $521,250 $178,000
St. Joseph $271,050 $347,000 $419,425 $521,250 $80,000
Tuscola $271,050 $347,000 $419,425 $521,250 $63,000
Van Buren $271,050 $347,000 $419,425 $521,250 $129,000
Washtenaw $271,050 $347,000 $419,425 $521,250 $210,000
Wayne $271,050 $347,000 $419,425 $521,250 $178,000
Wexford $271,050 $347,000 $419,425 $521,250 $90,000