Explore the differences! FHA VS Conventional loan programs in Birmingham, Oakland County, Michigan

As of 2025, the Conventional loan limit within Birmingham, Oakland county, MI is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.

Access the Lendersa® Conventional loan calculator to evaluate today's rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation. Our advanced mortgage calculator allows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA options, assisting in selecting the optimal program in MI fitting your financial needs.

Explore offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Birmingham, Oakland, MI

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

Applies to zip codes: 48009, 48012

Options for Conventional and FHA Loans in Birmingham, MI

The goal of Lendersa® is to facilitate your access to the best possible Conventional, USDA, or FHA loan promptly, without hassle. Choose from three options to connect with suitable lenders and loan programs.

Lendersa results for USDA loan requests


  • Plum Dog Financial LLC
  • 218 Patton Avenue, Asheville, NC, 28801
  • PlumDog, we believe the most important decision a client makes is choosing the right mortgage company to assure the best possible results for their investment. When dealing with your largest asset and greatest liability, one quickly understands the need for personalized lending assistance.
  • Lucid Lending
  • 47 Orange Street, Suite B, Asheville, NC, 28801
  • At Lucid Lending we look forward to matching you with the best mortgage program to fit your needs. We know everyone has a different situation, some are more unique that others, and it is important that you work with someone that has the knowledge and experience of the constantly changing mortgage industry.
  • FountainFunding
  • 13 Neil rd, Spring Valley, NY, 10977
  • BH As a Hard Money Loan Lender, I have built a portfolio of 50+ personal private lenders and loan companies, making us a trusted resource in the industry. With almost a decade of experience, our company has successfully facilitated a wide range of loans, catering to various needs and situations. Because we are not bonded to one specific compa
  • Albany Hard Money
  • 12 Elmwood Rd, Albany, NY, 12204
  • We are not a company advertising in Albany that is located in another state. We are a local business owned by local private lenders that have been making loans to people just like yourself since 2006. We have written thousands of loans in the Albany region and know this market well. This means we can sit with you, face to face,
  • Spencer Savings Bank
  • 611 River Drive, Elmwood Park, NJ, 07407
  • Spencer Savings Bank is a leading New Jersey-based community bank headquartered in Elmwood Park, N.J. For over 100 years, we have been serving our local communities with integrity and pride. Roots matter, because they mean experience. They mean real insight into what makes our communities strong.
  • New Jersey Mortgage Broker
  • 165 Belmont Ave, Belleville, NJ, 07109
  • Dennis Viera mortgage broker, solely with the best interest of my clients in mind. With strong working relationships with over 20 lenders and a great network of realtors, I continue to find the perfect fit for my buyers while maintaining a fast and efficient process, but more importantly, keeping an absolute focus on the expectations
  • Vanderbilt University Credit Union
  • 1313 21st Avenue South, Room 107, Nashville, TN, 37212
  • Vanderbilt University Employees Credit Union has been open since 1993. The credit union has assets totaling $49.5 Million and provides banking services to more than 6, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans.
  • Cornerstone Financial Credit Union
  • 1701 21st Avenue South, Nashville, TN, 37212
  • Cornerstone Financial Credit Union was founded in 1955, by a group of visionary educators in Davidson County with a philosophy of people helping people with low-cost financial services. Today, our membership base of more than 40, 000 is a diverse group of individuals comprising all walks of life.
  • Waring Investments
  • 125 Kingsland Avenue, Suite 201, Clifton, NJ, 07014
  • Waring Investments, Inc. was founded in 1991. Owners and principals, Morris and David Spector, have successfully led Waring since its inception and have over 50 years of combined experience in the hard money loan business. They have distinguished the Company as a direct lender in the commercial-private and hard money real estate market.
  • Hiawatha National Bank
  • 220 East Oak Street, Glenwood City, WI, 54013
  • Hiawatha National Bank Operator of a regional bank in Wisconsin, United States. The company offers services like personal and business banking services, loan products that include personal loans, mortgages, lines of credit, certificates of deposits along with several other banking services like telebanking and safe depositories.
  • Hopewell Chemical Federal Credit Union
  • 702 Elm Street, Hopewell, VA, 23860
  • Hopewell Chemical Federal Credit Union has been open since 1965. The credit union has assets totaling $49.69 Million and provides banking services to more than 3, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups