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Cost of Funds Index - COFI
The Cost of Funds Index is one of the many interest rate indexes used to determine interest rate adjustments on an adjustable rate mortgages.
First Mortgage (Refinance and Purchase) Conforming Loan Limits:
Effective January 1, 2006
Single Family Residence Two Family Residence Three Family Residence Four Family Residence
$417,000 $533,850 $645,300 $801,950
Mortgage Loan Limits are 50% higher in Alaska, Hawaii, Guam, and the U.S. Virgin Islands are 50 percent higher than the mortgage limits for the rest of the country.

Second Mortgage (HELOC, Second Trust Deed):
$208,500
$312,750 in Alaska, Hawaii, Guam, and the U.S. Virgin Islands
FHA mortgage loan limts by County:
County Single Family 2 Units 3 Units 4 Units
ALCONA $200,160 $256,248 $256,248 $309,744
ALGER $200,160 $256,248 $256,248 $309,744
ALLEGAN $200,160 $256,248 $256,248 $309,744
ALPENA $200,160 $256,248 $256,248 $309,744
ANTRIM $200,160 $256,248 $256,248 $309,744
ARENAC $200,160 $256,248 $256,248 $309,744
BARAGA $200,160 $256,248 $256,248 $309,744
BARRY $200,160 $256,248 $256,248 $309,744
BAY $200,160 $256,248 $256,248 $309,744
BENZIE $200,160 $256,248 $256,248 $309,744
BERRIEN $200,160 $256,248 $256,248 $309,744
BRANCH $200,160 $256,248 $256,248 $309,744
CALHOUN $200,160 $256,248 $256,248 $309,744
CASS $200,160 $256,248 $256,248 $309,744
CHARLEVOIX $200,160 $256,248 $256,248 $309,744
CHEBOYGAN $200,160 $256,248 $256,248 $309,744
CHIPPEWA $200,160 $256,248 $256,248 $309,744
CLARE $200,160 $256,248 $256,248 $309,744
CLINTON $200,160 $256,248 $256,248 $309,744
CRAWFORD $200,160 $256,248 $256,248 $309,744
DELTA $200,160 $256,248 $256,248 $309,744
DICKINSON $200,160 $256,248 $256,248 $309,744
EATON $200,160 $256,248 $256,248 $309,744
EMMET $200,160 $256,248 $256,248 $309,744
GENESEE $200,160 $256,248 $256,248 $309,744
GLADWIN $200,160 $256,248 $256,248 $309,744
GOGEBIC $200,160 $256,248 $256,248 $309,744
GRAND TRAVERSE $200,160 $256,248 $256,248 $309,744
GRATIOT $200,160 $256,248 $256,248 $309,744
HILLSDALE $200,160 $256,248 $256,248 $309,744
HOUGHTON $200,160 $256,248 $256,248 $309,744
HURON $200,160 $256,248 $256,248 $309,744
INGHAM $200,160 $256,248 $256,248 $309,744
IONIA $200,160 $256,248 $256,248 $309,744
IOSCO $200,160 $256,248 $256,248 $309,744
IRON $200,160 $256,248 $256,248 $309,744
ISABELLA $200,160 $256,248 $256,248 $309,744
JACKSON $200,160 $256,248 $256,248 $309,744
KALAMAZOO $200,160 $256,248 $256,248 $309,744
KALKASKA $200,160 $256,248 $256,248 $309,744
KENT $200,160 $256,248 $256,248 $309,744
KEWEENAW $200,160 $256,248 $256,248 $309,744
LAKE $200,160 $256,248 $256,248 $309,744
LAPEER $226,100 $256,248 $256,248 $309,744
LEELANAU $200,160 $256,248 $256,248 $309,744
LENAWEE $226,100 $256,248 $256,248 $309,744
LIVINGSTON $226,100 $256,248 $256,248 $309,744
LUCE $200,160 $256,248 $256,248 $309,744
MACKINAC $200,160 $256,248 $256,248 $309,744
MACOMB $226,100 $256,248 $256,248 $309,744
MANISTEE $200,160 $256,248 $256,248 $309,744
MARQUETTE $200,160 $256,248 $256,248 $309,744
MASON $200,160 $256,248 $256,248 $309,744
MECOSTA $200,160 $256,248 $256,248 $309,744
MENOMINEE $200,160 $256,248 $256,248 $309,744
MIDLAND $200,160 $256,248 $256,248 $309,744
MISSAUKEE $200,160 $256,248 $256,248 $309,744
MONROE $226,100 $256,248 $256,248 $309,744
MONTCALM $200,160 $256,248 $256,248 $309,744
MONTMORENCY $200,160 $256,248 $256,248 $309,744
MUSKEGON $200,160 $256,248 $256,248 $309,744
NEWAYGO $200,160 $256,248 $256,248 $309,744
OAKLAND $226,100 $256,248 $256,248 $309,744
OCEANA $200,160 $256,248 $256,248 $309,744
OGEMAW $200,160 $256,248 $256,248 $309,744
ONTONAGON $200,160 $256,248 $256,248 $309,744
OSCEOLA $200,160 $256,248 $256,248 $309,744
OSCODA $200,160 $256,248 $256,248 $309,744
OTSEGO $200,160 $256,248 $256,248 $309,744
OTTAWA $200,160 $256,248 $256,248 $309,744
PRESQUE ISLE $200,160 $256,248 $256,248 $309,744
ROSCOMMON $200,160 $256,248 $256,248 $309,744
SAGINAW $200,160 $256,248 $256,248 $309,744
SANILAC $200,160 $256,248 $256,248 $309,744
SCHOOLCRAFT $200,160 $256,248 $256,248 $309,744
SHIAWASSEE $200,160 $256,248 $256,248 $309,744
ST. CLAIR $226,100 $256,248 $256,248 $309,744
ST. JOSEPH $200,160 $256,248 $256,248 $309,744
TUSCOLA $200,160 $256,248 $256,248 $309,744
VAN BUREN $200,160 $256,248 $256,248 $309,744
WASHTENAW $262,105 $295,213 $295,213 $358,670
WAYNE $226,100 $256,248 $256,248 $309,744
WEXFORD $200,160 $256,248 $256,248 $309,744
 
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