2026 loan limits in Lapeer County, Michigan
In Lapeer County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Lapeer County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Lapeer County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Lapeer County?
$541,287 for a one-unit home.
More for Lapeer County
Lapeer County property taxesFHA loan limits toolMichigan closing costsAlmont 48003 market dataAttica 48412 market dataClifford 48727 market dataColumbiaville 48421 market dataDryden 48428 market dataImlay City 48444 market dataLapeer 48446 market dataMetamora 48455 market dataNorth Branch 48461 market dataOtter Lake 48464 market data
2026 limits from HUD’s county files (Detroit-Warren-Dearborn, Mi). Conforming limits are set by the Federal Housing Finance Agency.