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2025 FHA Loan Limits in Michigan

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Backed by the Federal Housing Administration, FHA loans help make homeownership accessible to Michigan homebuyers with less-than-perfect credit or limited down payment savings.

Although FHA loans have flexible qualifications, they are subject to maximum loan amounts. In 2025, the FHA loan limit in Michigan is $524,225 for a single-family home.

Michigan FHA loan limits by county

Michigan single-family FHA loan limits

County name	One unit	Two units	Three units	Four units	Median sales price
ALCONA	$524,225	$671,200	$811,275	$1,008,300	$140,000
ALGER	$524,225	$671,200	$811,275	$1,008,300	$135,000
ALLEGAN	$524,225	$671,200	$811,275	$1,008,300	$251,000
ALPENA	$524,225	$671,200	$811,275	$1,008,300	$130,000
ANTRIM	$524,225	$671,200	$811,275	$1,008,300	$172,000
ARENAC	$524,225	$671,200	$811,275	$1,008,300	$90,000
BARAGA	$524,225	$671,200	$811,275	$1,008,300	$120,000
BARRY	$524,225	$671,200	$811,275	$1,008,300	$239,000
BAY	$524,225	$671,200	$811,275	$1,008,300	$132,000
BENZIE	$524,225	$671,200	$811,275	$1,008,300	$422,000
BERRIEN	$524,225	$671,200	$811,275	$1,008,300	$193,000
BRANCH	$524,225	$671,200	$811,275	$1,008,300	$155,000
CALHOUN	$524,225	$671,200	$811,275	$1,008,300	$150,000
CASS	$524,225	$671,200	$811,275	$1,008,300	$198,000
CHARLEVOIX	$524,225	$671,200	$811,275	$1,008,300	$395,000
CHEBOYGAN	$524,225	$671,200	$811,275	$1,008,300	$357,000
CHIPPEWA	$524,225	$671,200	$811,275	$1,008,300	$110,000
CLARE	$524,225	$671,200	$811,275	$1,008,300	$96,000
CLINTON	$524,225	$671,200	$811,275	$1,008,300	$245,000
CRAWFORD	$524,225	$671,200	$811,275	$1,008,300	$139,000
DELTA	$524,225	$671,200	$811,275	$1,008,300	$120,000
DICKINSON	$524,225	$671,200	$811,275	$1,008,300	$137,000
EATON	$524,225	$671,200	$811,275	$1,008,300	$245,000
EMMET	$524,225	$671,200	$811,275	$1,008,300	$260,000
GENESEE	$524,225	$671,200	$811,275	$1,008,300	$160,000
GLADWIN	$524,225	$671,200	$811,275	$1,008,300	$126,000
GOGEBIC	$524,225	$671,200	$811,275	$1,008,300	$128,000
GRAND TRAVERSE	$524,225	$671,200	$811,275	$1,008,300	$422,000
GRATIOT	$524,225	$671,200	$811,275	$1,008,300	$133,000
HILLSDALE	$524,225	$671,200	$811,275	$1,008,300	$145,000
HOUGHTON	$524,225	$671,200	$811,275	$1,008,300	$139,000
HURON	$524,225	$671,200	$811,275	$1,008,300	$189,000
INGHAM	$524,225	$671,200	$811,275	$1,008,300	$245,000
IONIA	$524,225	$671,200	$811,275	$1,008,300	$348,000
IOSCO	$524,225	$671,200	$811,275	$1,008,300	$135,000
IRON	$524,225	$671,200	$811,275	$1,008,300	$140,000
ISABELLA	$524,225	$671,200	$811,275	$1,008,300	$152,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$170,000
KALAMAZOO	$524,225	$671,200	$811,275	$1,008,300	$230,000
KALKASKA	$524,225	$671,200	$811,275	$1,008,300	$422,000
KENT	$524,225	$671,200	$811,275	$1,008,300	$348,000
KEWEENAW	$524,225	$671,200	$811,275	$1,008,300	$139,000
LAKE	$524,225	$671,200	$811,275	$1,008,300	$76,000
LAPEER	$524,225	$671,200	$811,275	$1,008,300	$338,000
LEELANAU	$524,225	$671,200	$811,275	$1,008,300	$422,000
LENAWEE	$524,225	$671,200	$811,275	$1,008,300	$181,000
LIVINGSTON	$524,225	$671,200	$811,275	$1,008,300	$338,000
LUCE	$524,225	$671,200	$811,275	$1,008,300	$153,000
MACKINAC	$524,225	$671,200	$811,275	$1,008,300	$200,000
MACOMB	$524,225	$671,200	$811,275	$1,008,300	$338,000
MANISTEE	$524,225	$671,200	$811,275	$1,008,300	$150,000
MARQUETTE	$524,225	$671,200	$811,275	$1,008,300	$185,000
MASON	$524,225	$671,200	$811,275	$1,008,300	$175,000
MECOSTA	$524,225	$671,200	$811,275	$1,008,300	$168,000
MENOMINEE	$524,225	$671,200	$811,275	$1,008,300	$128,000
MIDLAND	$524,225	$671,200	$811,275	$1,008,300	$185,000
MISSAUKEE	$524,225	$671,200	$811,275	$1,008,300	$232,000
MONROE	$524,225	$671,200	$811,275	$1,008,300	$212,000
MONTCALM	$524,225	$671,200	$811,275	$1,008,300	$348,000
MONTMORENCY	$524,225	$671,200	$811,275	$1,008,300	$115,000
MUSKEGON	$524,225	$671,200	$811,275	$1,008,300	$180,000
NEWAYGO	$524,225	$671,200	$811,275	$1,008,300	$241,000
OAKLAND	$524,225	$671,200	$811,275	$1,008,300	$338,000
OCEANA	$524,225	$671,200	$811,275	$1,008,300	$130,000
OGEMAW	$524,225	$671,200	$811,275	$1,008,300	$95,000
ONTONAGON	$524,225	$671,200	$811,275	$1,008,300	$86,000
OSCEOLA	$524,225	$671,200	$811,275	$1,008,300	$239,000
OSCODA	$524,225	$671,200	$811,275	$1,008,300	$87,000
OTSEGO	$524,225	$671,200	$811,275	$1,008,300	$260,000
OTTAWA	$524,225	$671,200	$811,275	$1,008,300	$348,000
PRESQUE ISLE	$524,225	$671,200	$811,275	$1,008,300	$130,000
ROSCOMMON	$524,225	$671,200	$811,275	$1,008,300	$148,000
SAGINAW	$524,225	$671,200	$811,275	$1,008,300	$140,000
SANILAC	$524,225	$671,200	$811,275	$1,008,300	$153,000
SCHOOLCRAFT	$524,225	$671,200	$811,275	$1,008,300	$188,000
SHIAWASSEE	$524,225	$671,200	$811,275	$1,008,300	$245,000
ST. CLAIR	$524,225	$671,200	$811,275	$1,008,300	$338,000
ST. JOSEPH	$524,225	$671,200	$811,275	$1,008,300	$160,000
TUSCOLA	$524,225	$671,200	$811,275	$1,008,300	$140,000
VAN BUREN	$524,225	$671,200	$811,275	$1,008,300	$181,000
WASHTENAW	$524,225	$671,200	$811,275	$1,008,300	$372,000
WAYNE	$524,225	$671,200	$811,275	$1,008,300	$338,000
WEXFORD	$524,225	$671,200	$811,275	$1,008,300	$232,000

How are FHA loan limits determined?

The Federal Housing Administration establishes FHA loan limits by property type and location. The agency reviews loan limits annually to ensure they align with median home sales prices nationwide. FHA mortgage limits are also calculated as a percentage of conforming loan limits set for conventional loans (non-government-backed mortgages).

FHA loan limits have three categories:

Low-cost floor: This is the standard FHA loan limit and is in effect in most U.S. counties and metro areas. The 2025 FHA “floor” is $524,225 for a single-family home.
High-cost ceiling: This reflects the highest FHA loan limit and applies to more expensive metro areas. The 2025 FHA “ceiling” is $1,209,750 for a single-family home. Many counties in the country have loan limits between the floor and ceiling.
Special exception areas: Alaska, Hawaii, Guam and the U.S. Virgin Islands are designated special exception areas with higher limits — $1,814,625 for a single-family home in 2025.

The 2025 FHA loan limit for a single-family home in all Michigan counties is $524,225. Although this amount reflects the FHA’s lowest limit, it’s above the median home price in the state’s most expensive counties.

How to qualify for an FHA loan in Michigan

While the Federal Housing Administration guarantees FHA loans, you won’t borrow directly from the government. Instead, you’ll apply for your mortgage with an FHA-approved lender in Michigan who will confirm you meet these FHA loan requirements:

Minimum down payment: The minimum down payment for an FHA loan is 3.5%, with a credit score of 580 or higher (10% for credit scores between 500 and 579).
Minimum credit score: You can qualify for an FHA loan with a credit score as low as 500, although you’ll need to put 10% down. To take advantage of the 3.5% down payment, you’ll need a minimum credit score of 580.
Maximum DTI ratio: The maximum debt-to-income (DTI) ratio (the sum of your monthly debt payments divided by your monthly pretax income) is generally 43%. However, lenders may allow higher ratios.
Mortgage insurance: You’ll pay an upfront FHA mortgage insurance premium of 1.75% of the loan amount (typically financed with the mortgage principal) and an annual mortgage insurance premium of 0.15% to 0.75% of the loan amount (spread across your monthly mortgage payments).
Occupancy: You must live in the property as your primary home for at least one year.
Income and employment history: FHA loans don’t have income restrictions; however, lenders look for at least two years of stable employment and recurring income.
Home appraisal: Your lender will require an FHA appraisal to verify the home’s value and confirm it meets FHA property standards.

Buying a multifamily property with an FHA loan

In addition to offering flexible borrower requirements, FHA loans allow borrowers to purchase a multifamily property, up to four units, with the same 3.5% down payment requirement as single-family homes. Michigan FHA loan limits for multifamily homes reach up to $1,008,300.

Number of units	Low-cost FHA loan limit
Two	$671,200
Three	$811,275
Four	$1,008,300

Expect to meet the following FHA qualifications for a multifamily home:

3.5% minimum down payment (10% with a credit score between 500 and 579)
580 minimum credit score (with 3.5% down, or 500 with 10% down)
Primary residence occupancy. You must live in one of the units as your primary residence for at least one year.
Cash reserves: Lenders will verify that you have a certain amount of cash reserves available.
Rental income: You can use a portion of the expected rental income to qualify for the loan, though FHA lenders may only consider 75% of the potential rental income to offset your debt-to-income ratio.