VA Loan Limits in Michigan (2026)
For 2026, the VA county loan limit for most Michigan counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Michigan has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Michigan — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Michigan
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Wayne County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Oakland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Macomb County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Kent County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Genesee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Washtenaw County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Ingham County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Ottawa County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Kalamazoo County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Saginaw County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Livingston County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Muskegon County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| St. Clair County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Jackson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Berrien County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Monroe County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Calhoun County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Allegan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Eaton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bay County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lapeer County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lenawee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Grand Traverse County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Midland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Shiawassee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clinton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cass County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Isabella County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Marquette County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Van Buren County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Michigan's median home price is roughly $245,000. With $0 down and no PMI, an example VA payment near that price is about $1,939/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Michigan
The VA home-loan benefit lets eligible Michigan veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Michigan for 2026?
- With full entitlement, none. For partial entitlement, most Michigan counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Michigan require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.