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See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

Current FHA Mortgage Rates in MI - Michigan FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Michigan Mortgages

2022 FHA Loan Limits for Michigan

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2022 FHA loan limits for each county in Michigan are below.

County Name One Family Two Family Three Family Four Family
Alcona One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Alger One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Allegan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Alpena One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Antrim One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Arenac One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Baraga One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Barry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bay One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Benzie One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Berrien One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Branch One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Calhoun One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cass One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Charlevoix One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cheboygan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chippewa One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clare One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clinton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Crawford One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Delta One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dickinson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Eaton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Emmet One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Genesee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gladwin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gogebic One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Grand Traverse One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gratiot One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hillsdale One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Houghton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Huron One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ingham One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ionia One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Iosco One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Iron One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Isabella One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jackson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kalamazoo One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kalkaska One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kent One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Keweenaw One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lake One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lapeer One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Leelanau One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lenawee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Livingston One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Luce One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mackinac One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Macomb One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Manistee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Marquette One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mason One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mecosta One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Menominee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Midland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Missaukee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Monroe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Montcalm One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Montmorency One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Muskegon One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Newaygo One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Oakland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Oceana One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ogemaw One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ontonagon One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Osceola One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Oscoda One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Otsego One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ottawa One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Presque Isle One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Roscommon One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Saginaw One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Sanilac One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Schoolcraft One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Shiawassee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
St. Clair One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
St. Joseph One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Tuscola One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Van Buren One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Washtenaw One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wayne One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wexford One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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