FHA VS Conventional loan programs in 2025 for Keego-Harbor, Oakland County, Michigan

As of 2025, the conventional loan cap in Keego-Harbor, the county of Oakland, MI is set at $647,200, whereas the FHA cap is $420,680 for single-family dwellings.

Utilize the Lendersa® calculator to compare the leading rates for Conventional, FHA, and USDA loans. Discover the income, credit, reserves, and necessary documents for qualification. With our sophisticated mortgage calculator, view side-by-side options of Conforming Conventional, USDA, FHA, and VA loans, aiding you to choose the ideal program in MI for your financial scenario.

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2025's loan ceilings and downpayment specifications in Keego-Harbor, county of Oakland, MI

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

This comparison table is pertinent to zip codes: 48320

Exploration of Conventional and FHA loan options in Keego-Harbor, MI

The mission at Lendersa® is to efficiently secure the optimal Conventional, USDA, or FHA loan for you. Choose from three pathways to find matching lenders and loan programs seamlessly.

Lendersa USDA loan request and match outcomes


  • Stratford Funding
  • 28588 Northwestern Hwy, Suite 290, Southfield, MI, 48034
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • MORTGAGE RESOURCE PLUS
  • 29201 Telegraph Rd, Suite 611, Southfield, MI, 48034
  • We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending.
  • Oakland University Credit Union
  • 2200 N Squirrel Rd, Rochester, MI, 48309
  • MSUFCU was established 84 years ago to provide a safe place where members could borrow and save money. Over the years, we've built a strong foundation of relationships with our members - ultimately helping them achieve their dreams. Our employees live our mission every day to spark those moments for members to find financial freedom and security.
  • Lucrative Home Loans Inc
  • 2490 Walton Boulevard, Suite 101, Rochester, MI, 48309
  • Lucrative Home Loans, Inc. understands that buying a home is more than just a transaction: it’s a life-changing experience. We are committed to getting every client the very best rate and loan every single time. Becoming a one-stop-shop and personalized service for our clients’ convenience, was essential to our many years of success.
  • Gem Home Loans LLC
  • 1675 West Hamlin Road, Rochester, MI, 48309
  • Gem Home Loans is a client-focused lender made up of experienced professionals. We have made the choice to step away from the impersonal big-box banks and in your face marketing machines. We prefer working one-on-one with clients in building customized financial solutions. The person you contact will be the person who you work with throughout.
  • Priority Mortgage Lending LLC
  • 6401 Citation Dr, Suite C, Clarkston, MI, 48346
  • Priority Mortgage Lending mission is to be the home financing partner that you trust to serve your family, friends and community. Our commitment is to give you a foundation that will show you our dedication and promise to you give you the best experience in home buying or the refinancing process.
  • Advantage Mortgage Company
  • 6978 Dixie Highway, Suite B, Clarkston, MI, 48346
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Honest Lending
  • 755 W Big Beaver Rd, Suite 2020, Troy, MI, 48084
  • We are independent, trained professionals licensed to represent and provide you with the best mortgage for your particular situation. Honest Lending is a team of experienced home lending professionals who believe that everyone should be treated like family. Our founder has more than 10 years combined experience in helping clients like you.
  • Direct Home Mortgages, LLC
  • 3250 W Big Beaver Rd, Suite 229, Troy, MI, 48084
  • Direct Home Mortgages is a premier Mortgage Broker based in Troy, Michigan. We are licensed in the states of Michigan, Colorado, and Texas. We are committed to ensuring you get the very best mortgage for your situation. That’s why with our vast resources and lender relationships, Direct Home Mortgages is able to offer a variety of types
  • Limitless Mortgage Solutions
  • 100 west big beaver rd, Suite 200, Troy, MI, 48084
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • IPFS Mortgage
  • 3250 W Big Beaver RD, Suite 120, Troy, MI, 48084
  • The Integrity Property Financial Services Team is your premier mortgage team located in Troy, Michigan. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Michigan area.
  • Core Direct Mortgage Inc
  • 1700 West Big Beaver Road, Suite 350, Troy, MI, 48084
  • At Core Direct Mortgage, we believe in finding a solution for all applicants. If you are having trouble getting approved for a home loan, please contact us today at 720-508-0621. We are here to help. We offer a wide variety of loan programs to fit our clients' needs in today's real estate market.