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Michigan VA Home Loan Limits

Michigan military homes

Located in the upper Midwest, Michigan is perhaps best known for its proximity to the legendary Great Lakes. The state has numerous famous landmarks, beautiful scenery and multiple national parks and forests. Often going overlooked by people who largely associate the metro area of Detroit with the entirety of the state is just how pretty it is. In fact, Michigan has the longest freshwater coastline of any area in the world. The expanse of water provides abundant outdoor and boating opportunities. Michigan is one of the premier U.S. states for recreational boating. Interestingly, residents of Michigan are never more than six miles from the source of natural water and never more than 85 miles away from the shoreline of one of the Great Lakes. A relative geographical anomaly, the state is made up of two distinct peninsulas. The peninsulas are divided into areas known as The U.P., Northern Michigan, West Michigan, Mid-Michigan, and Downstate. Important urban areas in Michigan include Detroit, Grand Rapids, and Lansing. Detroit is the first and largest city in the state, nicknamed the Motor City because of its place in this countries automobile history. The state’s population of 9,895,622 makes it the ninth largest in the country.

Michigan was admitted to the union as a state in 1837, making it the 26th state. Prior to European arrival, the Algonquian tribes such as the Ojibwe and Anishinaabe prominently inhabited the area. Interestingly, after the Revolutionary War, Michigan was not entirely ceded to the United States; in fact Great Britain maintained possession of portions of it. The state did not fall completely under American Authority until 1847.

Today, Michigan has a gross state product in the range of $408.218 billion. The American automotive industry center, the state also produces a large quantity of food products, information tech, aerospace and military equipment. Miscellaneously, Michigan is the third largest grower of Christmas trees. Both Dominos and Little Caesars were founded in the state.

Currently, although it has a rich military history, there are only two military bases located in Michigan—Selfridge Air National Guard Base and the Detroit Arsenal. The Detroit Arsenal was the first plant built in the U.S. for the purpose of mass producing tanks.

Michigan has an extensive veteran population, totaling more than 680,000. If a veteran plans to purchase a property using a VA-backed home loan, a termite inspection is required in the following counties: Allegan, Barry, Berrien, Branch, Calhoun, Cass, Hillsdale, Ionia, Jackson, Kalamazoo, Kent, Lenawee, Livingston, Macomb, Mason, Monroe, Muskegon, Oakland, Oceana, Ottawa, St. Clair, St. Joseph, VanBuren, Washtenaw and Wayne. In addition, a copy of the builder’s license is required for all proposed, under construction or new construction properties.

Disabled veterans in Michigan qualify for a complete property tax exemption if they have a service-related disability of 100 percent.

VA Home Loan Information For The State of Michigan

NOTE: The following is for information purposes only.

To find out the exact dollar amount you qualify for, call the VA Home Loan Centers Applications Support Desk at 888-573-4496 or fill out the VA Home Loan Application located here.

The loan limits below are the maximum 2021, $0 down VA loan amount set for each county, incorporated city, or municipality (as listed below). Although there is no maximum loan amount, the maximum no money down VA home loan limits are stated as follows.

  1. Alcona County: $548,250
  2. Alger County: $548,250
  3. Allegan County: $548,250
  4. Alpena County: $548,250
  5. Antrim County: $548,250
  6. Arenac County: $548,250
  7. Baraga County: $548,250
  8. Barry County: $548,250
  9. Bay County: $548,250
  10. Benzie County: $548,250
  11. Berrien County: $548,250
  12. Branch County: $548,250
  13. Calhoun County: $548,250
  14. Cass County: $548,250
  15. Charlevoix County: $548,250
  16. Cheboygan County: $548,250
  17. Chippewa County: $548,250
  18. Clare County: $548,250
  19. Clinton County: $548,250
  20. Crawford County: $548,250
  21. Delta County: $548,250
  22. Dickinson County: $548,250
  23. Eaton County: $548,250
  24. Emmet County: $548,250
  25. Genesee County: $548,250
  26. Gladwin County: $548,250
  27. Gogebic County: $548,250
  28. Grand Traverse County: $548,250
  29. Gratiot County: $548,250
  30. Hillsdale County: $548,250
  31. Houghton County: $548,250
  32. Huron County: $548,250
  33. Ingham County: $548,250
  34. Ionia County: $548,250
  35. Iosco County: $548,250
  36. Iron County: $548,250
  37. Isabella County: $548,250
  38. Jackson County: $548,250
  39. Kalamazoo County: $548,250
  40. Kalkaska County: $548,250
  41. Kent County: $548,250
  42. Keweenaw County: $548,250
  43. Lake County: $548,250
  44. Lapeer County: $548,250
  45. Leelanau County: $548,250
  46. Lenawee County: $548,250
  47. Livingston County: $548,250
  48. Luce County: $548,250
  49. Mackinac County: $548,250
  50. Macomb County: $548,250
  51. Manistee County: $548,250
  52. Marquette County: $548,250
  53. Mason County: $548,250
  54. Mecosta County: $548,250
  55. Menominee County: $548,250
  56. Midland County: $548,250
  57. Missaukee County: $548,250
  58. Monroe County: $548,250
  59. Montcalm County: $548,250
  60. Montmorency County: $548,250
  61. Muskegon County: $548,250
  62. Newaygo County: $548,250
  63. Oakland County: $548,250
  64. Oceana County: $548,250
  65. Ogemaw County: $548,250
  66. Ontonagon County: $548,250
  67. Osceola County: $548,250
  68. Oscoda County: $548,250
  69. Otsego County: $548,250
  70. Ottawa County: $548,250
  71. Presque Isle County: $548,250
  72. Roscommon County: $548,250
  73. Saginaw County: $548,250
  74. Sanilac County: $548,250
  75. Schoolcraft County: $548,250
  76. Shiawassee County: $548,250
  77. St. Clair County: $548,250
  78. St. Joseph County: $548,250
  79. Tuscola County: $548,250
  80. Van Buren County: $548,250
  81. Washtenaw County: $548,250
  82. Wayne County: $548,250
  83. Wexford County: $548,250