FHA Loan Limits and USDA Eligibility in Grand Traverse County, Michigan
2026 FHA one-unit limit in Grand Traverse County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $130,950. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for Michigan
Michigan one-unit limits: —
Loading FHA loan limits map…
Loading Michigan…
Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Michigan
Loading USDA map…
Loading Michigan…
EligibleIneligibleUSDA ineligible boundary
Grand Traverse County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 49620 | $541,287 | $122,800 to $130,950 |
| 49633 | $541,287 | $122,800 to $130,950 |
| 49637 | $541,287 | $130,950 |
| 49643 | $541,287 | $122,800 to $130,950 |
| 49649 | $541,287 | $122,800 to $130,950 |
| 49684 | $541,287 | $122,800 to $140,450 |
| 49685 | $541,287 | $130,950 |
| 49686 | $541,287 | $130,950 |
| 49690 | $541,287 | $122,800 to $130,950 |
| 49696 | $541,287 | $130,950 |