FHA Mortgage Limits revised 12/30/2008

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Michigan FHA Mortgage Limits

Rev 12/30/2008

MSA Name	County Name	State	One-Family	Two-Family	Three-Family	Four-Family	Last Revised	Limit Year
NON-METRO	ALCONA	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	ALGER	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
ALLEGAN, MI (MICRO)	ALLEGAN	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
ALPENA, MI (MICRO)	ALPENA	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	ANTRIM	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	ARENAC	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	BARAGA	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
GRAND RAPIDS-WYOMING, MI (MSA)	BARRY	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
BAY CITY, MI (MSA)	BAY	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
TRAVERSE CITY, MI (MICRO)	BENZIE	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NILES-BENTON HARBOR, MI (MSA)	BERRIEN	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
COLDWATER, MI (MICRO)	BRANCH	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
BATTLE CREEK, MI (MSA)	CALHOUN	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
SOUTH BEND-MISHAWAKA, IN-MI (MSA)	CASS	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	CHARLEVOIX	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	CHEBOYGAN	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
SAULT STE. MARIE, MI (MICRO)	CHIPPEWA	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	CLARE	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
LANSING-EAST LANSING, MI (MSA)	CLINTON	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	CRAWFORD	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
ESCANABA, MI (MICRO)	DELTA	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
IRON MOUNTAIN, MI-WI (MICRO)	DICKINSON	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
LANSING-EAST LANSING, MI (MSA)	EATON	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	EMMET	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
FLINT, MI (MSA)	GENESEE	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	GLADWIN	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	GOGEBIC	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
TRAVERSE CITY, MI (MICRO)	GRAND TRAVERSE	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
ALMA, MI (MICRO)	GRATIOT	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	HILLSDALE	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
HOUGHTON, MI (MICRO)	HOUGHTON	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	HURON	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
LANSING-EAST LANSING, MI (MSA)	INGHAM	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
GRAND RAPIDS-WYOMING, MI (MSA)	IONIA	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	IOSCO	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	IRON	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
MOUNT PLEASANT, MI (MICRO)	ISABELLA	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
JACKSON, MI (MSA)	JACKSON	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
KALAMAZOO-PORTAGE, MI (MSA)	KALAMAZOO	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
TRAVERSE CITY, MI (MICRO)	KALKASKA	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
GRAND RAPIDS-WYOMING, MI (MSA)	KENT	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
HOUGHTON, MI (MICRO)	KEWEENAW	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	LAKE	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
WARREN-TROY-FARMINGTON HILLS, MI METROPO	LAPEER	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
TRAVERSE CITY, MI (MICRO)	LEELANAU	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
ADRIAN, MI (MICRO)	LENAWEE	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
WARREN-TROY-FARMINGTON HILLS, MI METROPO	LIVINGSTON	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	LUCE	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	MACKINAC	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
WARREN-TROY-FARMINGTON HILLS, MI METROPO	MACOMB	MI	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009

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The CY2009 basic standard mortgage limits for FHA insured loans are:
		One-family	Two-family	Three-family	Four-family
	FHA Forward	$271,050.00	$347,000.00	$419,425.00	$521,250.00
	HECM	$417,000.00
	HOPE for Homeowners	$550,440.00
	Fannie/Freddie	$417,000.00	$533,850.00	$645,300.00	$801,950.00

High cost area limits are subject to a ceiling based on a percent of the Freddie Mac Loan limits The ceilings for CY2009 are:
		One-family	Two-family	Three-family	Four-family
	FHA Forward	$625,500.00	$800,775.00	$967,950.00	$1,202,925.00
	HECM	$417,000.00
	Fannie/Freddie	$625,500.00	$800,775.00	$967,950.00	$1,202,925.00

Section 214 of the National Housing Act provides that mortgage limits for Alaska, Guam, Hawaii, and the Virgin Islands may be adjusted up to 150 percent of the new ceilings. This results in new CY2009 ceilings for these areas of:
		One-family	Two-family	Three-family	Four-family
	FHA Forward	$938,250.00	$1,201,162.00	$1,451,925.00	$1,804,387.00
	Fannie/Freddie	$938,250.00	$1,201,162.00	$1,451,925.00	$1,804,387.00