2026 loan limits in St. Joseph County, Michigan
In St. Joseph 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 St. Joseph 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 St. Joseph County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in St. Joseph County?
$541,287 for a one-unit home.
More for St. Joseph County
St. Joseph County property taxesFHA loan limits toolMichigan closing costsBurr Oak 49030 market dataCentreville 49032 market dataColon 49040 market dataConstantine 49042 market dataLeonidas 49066 market dataMendon 49072 market dataSturgis 49091 market dataThree Rivers 49093 market dataWhite Pigeon 49099 market data
2026 limits from HUD’s county files (Sturgis, Mi). Conforming limits are set by the Federal Housing Finance Agency.