The Federal Housing Administration (FHA) provides mortgage insurance on loans made by approved lenders to borrowers with low to moderate incomes. This program significantly aids homebuyers across the United States, including Michigan. Understanding the FHA loan limits specific to Michigan counties is essential for prospective homeowners. Below is a complete list of Michigan FHA loan limits by county for 2023.

FHA Loan Limits Overview

FHA loan limits are set based on the county in which the property is located. These limits ensure that homebuyers can access affordable housing options in various regions. The limits can vary widely based on local housing prices, making it crucial to know your county's specific limits.

Michigan FHA Loan Limits by County

1. Alcona County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

2. Alger County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

3. Allegan County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

4. Alpena County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

5. Antrim County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

6. Barry County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

7. Bay County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

8. Benzie County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

9. Berrien County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

10. Branch County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

11. Calhoun County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

12. Cass County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

13. Charlevoix County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

14. Cheboygan County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

15. Chippewa County

One-Family: $420,680
Two-Family: $538,650
Three-Family: $651,950
Four-Family: $811,300

16. Delta County

One-Family: