FHA VS Conventional loan programs in 2025 for Boyne-City, Charlevoix County, Michigan

In 2025, Convetional loan limit in Boyne-City, county of Charlevoix, MI is $647,200 while FHA limit is $420,680 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in MI is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Boyne-City, county of Charlevoix, MI

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

The comparison table applies to zip codes: 49712

Conventional and FHA loan options in Boyne-City, MI

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Northstar Bank
  • 1100 East Caro Road, Caro, MI, 48723
  • Northstar Bank is a locally owned and operated bank and proud to be a top-producing lender by Independent Banker®! Let Northstar Bank, one of the most responsive, relationship-based banks in Michigan, partner with you. Our commitment to superior service and local decision making will ensure an excellent banking venture for you.
  • Michigan Coastal Credit Union
  • 1086 Creston Street, Muskegon, MI, 49442
  • At Michigan Coastal Credit Union, we’ve been owned by our members since 1958. We are committed to Making a Difference and Adding Value to our team, members and the communities we serve. We currently have one office, but we offer 30, 000 Surcharged ATM’s partnering with the CO-OP ATM network.
  • Northern Interstate Bank, National Association
  • 501 W. US Highway 2, Norway, MI, 49870
  • Northern Interstate Bank, N.A. is focused on making local decisions with the best interest of our communities and customers in mind. Northern Interstate Bank, N.A. has 8 branch offices and 13 ATM locations to conveniently satisfy your banking needs. Below is the contact information and hours of operation for each office.
  • Embers Credit Union
  • 601 S McClellan Avenue, Marquette, MI, 49855
  • We're an institution that was born and raised in the Upper Peninsula of Michigan. The #EmbersTeamMembers strive to spark financial opportunities and offer solid advice to get our membership to the next level. Our fire burns for everyone that calls the U.P. home. So, as we always say, #LiveitUP.
  • Marquette Community Federal Credit Union
  • 1230 W Washington Street, Marquette, MI, 49855
  • Marquette Community Federal Credit Union´s history begins in 1952 at the Marquette Branch Prison. Local 684 of the Michigan Corrections Officers Association were granted a charter from the National Credit Union Administration to provide savings and loan services to the employees of the Marquette Branch Prison.
  • Range Bank, National Association
  • 100 N. Front St., Marquette, MI, 49855
  • Range Bank was founded on June 13, 1887 when horses were the main form of transportation and gold was still a form of currency. As an independent community bank, Range Bank is locally owned and managed. We will be the bank of choice in the communities we serve. We are accountable for our actions.
  • Denmark State Bank
  • 103 Main Street, Denmark, WI, 54208
  • Denmark State Bank has seven full-service banking offices serving primarily Brown, Kewaunee, Manitowoc, Outagamie, Shawano, Sheboygan counties. We are known for our high quality, personal service to customers and our commitment to the communities in which we serve We are dedicated to offering innovative products and providing the most recent techno
  • Muskegon Co-Op Federal Credit Union
  • 715 Terrace Street, Suite 101, Muskegon, MI, 49440
  • Muskegon Co-op FCU is a full service financial institution offering loans, CDs, interest checking with identity theft, money market accounts and more. MUSKEGON CO-OP FEDERAL CREDIT UNION is an entity registered with the U.S. General Services Administration (GSA), System for Award Management (SAM). The corporation number is #FSVCE1DJHJT7.
  • West Michigan Postal Service FCU
  • 800 1st Street, Room 212, Muskegon, MI, 49440
  • West Michigan Postal Service Federal Credit Union was chartered in May 29, 1952, by 8 visionary postal employees, for the purpose of saving themselves, co-workers and their families' money. As a member-owned financial institution, West Michigan Postal Service Federal Credit Union is dedicated to serving only the interests of our members.
  • Mayville State Bank
  • 37 E. Ohmer Rd., Mayville, MI, 48744
  • Mayville State Bank has seen quite a bit of history since opening its doors: two great wars, the Great Depression and President Roosevelt’s famous four-day bank holiday (during which Mayville State Bank remained open), political and social turmoil and on through to the age of technology we live in today.
  • Best Financial Credit Union
  • 1888 East Sherman Boulevard, Muskegon, MI, 49444
  • Since 1955, Best Financial Credit Union, formerly Community Schools Credit Union, has focused on providing a comprehensive, member-first banking alternative to the people of West Michigan. We've done so by a combination of getting to know our members' needs on a personal basis, then responding with customized, state-of-the-art services.
  • Service 1 Federal Credit Union
  • 1075 E Sherman Boulevard, Muskegon, MI, 49444
  • Service 1 Federal Credit Union is a member-owned, not-for-profit financial cooperative whose purpose is to promote members' financial well-being and create a positive change in the communities we serve. All profits earned are returned to our members in the form of less fees and better rates. Credit Union is a member-owned