2026 loan limits in Ionia County, Michigan
In Ionia 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 Ionia 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 Ionia County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Ionia County?
$541,287 for a one-unit home.
More for Ionia County
Ionia County property taxesFHA loan limits toolMichigan closing costsBelding 48809 market dataClarksville 48815 market dataHubbardston 48845 market dataIonia 48846 market dataLake Odessa 48849 market dataLyons 48851 market dataMuir 48860 market dataOrleans 48865 market dataPalo 48870 market dataPewamo 48873 market data
2026 limits from HUD’s county files (Grand Rapids-Wyoming-Kentwood, Mi). Conforming limits are set by the Federal Housing Finance Agency.