2026 loan limits in Manistee County, Michigan
In Manistee 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 Manistee 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 Manistee County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Manistee County?
$541,287 for a one-unit home.
More for Manistee County
Manistee County property taxesFHA loan limits toolMichigan closing costsArcadia 49613 market dataBear Lake 49614 market dataBrethren 49619 market dataCopemish 49625 market dataEastlake 49626 market dataFiler City 49634 market dataKaleva 49645 market dataManistee 49660 market dataOnekama 49675 market dataWellston 49689 market data
2026 limits from HUD’s county files (Non-Metro). Conforming limits are set by the Federal Housing Finance Agency.