FHA Loan Limits in Cass County, Michigan (2026)
Buying in Cass County or elsewhere in Cass County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Cass County — Cass County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Wayne and Oakland Counties.
FHA affordability around Cass County
An FHA buyer near Cass County faces an estimated $275,000 median, a $9,625 down payment, and — after Michigan's 1.38% property tax — a monthly cost around $2,217. That suits household income of roughly $86,000, above Michigan's $68,505 median household income, so budget carefully.
FHA payment scenarios in Cass County
Whether you are buying in Cass County or a smaller Cass County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $198,000 | $6,930 | $1,629 |
| Local median — $275,000 | $9,625 | $2,217 |
| At the FHA limit — $541,287 | $18,945 | $4,251 |
Estimates include FHA MIP plus Michigan property taxes and insurance. Rates move daily near Cass County too — get notified.
Buyers across Cass County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,625 down payment near Cass County into little out of pocket.
Multi-unit FHA limits in Cass County
Investors and house-hackers in Cass County and across Cass County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Cass County for 2026?
- In Cass County (Cass County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Cass County with FHA?
- For a median-priced ($275,000) Cass County home, plan on income around $86,000 at a 31% housing ratio — about $2,217/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cass County?
- 3.5% with a 580+ score — roughly $9,625 on a $275,000 Cass County-area home. Gift funds are allowed.
- Is Cass County a high-cost FHA area?
- No — Cass County uses the $541,287 national floor for one unit.