FHA VS Conventional loan programs in 2025 for Lapeer, Lapeer County, Michigan

In the year 2025, the Conventional loan limit for a single-family home in Lapeer, within the county of Lapeer, MI, stands at $726,200, whereas the FHA limit is set at $472,030.

Utilize the Lendersa® Conventional loan calculator to evaluate current top rates among Conventional, FHA, and USDA loans. Assess the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you compare Conforming Conventional loans with USDA, FHA, and VA options side by side, helping you choose the optimal program for your financial circumstances in MI.

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2025 Loan Limits and Down Payment Requirements in Lapeer, County of Lapeer, MI

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

This comparison table is relevant to zip codes: 48446

Exploring Conventional and FHA Loan Choices in Lapeer, MI

Lendersa® aims to provide you with the best possible Conventional, USDA, or FHA loan options quickly and with ease. Select from one of three starting points to access lenders and suitable loan programs.

Lendersa USDA loan requests and matching results


  • NY Bravest Federal Credit Union
  • 532 Central Avenue, Albany, NY, 12206
  • NY Bravest Federal Credit Albany Firemen took a giant step in controlling their own financial future. They formed the 609th federal credit union in the United States. Of the 800 credit unions that were formed that first year, we currently are 1 of 104 still remaining. There have been over 25, 000 credit unions throughout the last 80 plus years
  • The Bank of Princeton
  • 183 Bayard Lane, Princeton, NJ, 08540
  • Established in 2007, The Bank of Princeton opened its Chambers Street doors for business on the 23rd of April. Since then, the Bank has grown to include nineteen branch locations that serve Mercer, Burlington, Camden, Gloucester, Hunterdon, Middlesex, Monmouth, Ocean, and Somerset counties in New Jersey
  • Community Resource Federal Credit Union
  • 20 Wade Road, Latham, NY, 12110
  • We offer outstanding rates and low fees on a full range of financial products. Our mission is to improve the lives of our members and community by providing access to affordable, reliable and solution based financial services. Our mission is to improve the lives of our members and the community by providing access to affordable
  • Healthcare Employees Federal Credit Union
  • 29 Emmons Drive, Suite C40, Princeton, NJ, 08540
  • Healthcare Employees Federal Credit Union is to create superior member value over a lifelong relationship through personalized service & competitive and convenient financial services while maintaining a sound financial condition. The vision of the Healthcare Employees Federal Credit Union is to become recognized as the premier financial institution
  • Certified Wealth Mortgage & Investment
  • 101 College Road East, Suite 2, Princeton, NJ, 08540
  • Certified Wealth Management & Investment, LLC an independent Registered Investment Advisory firm. He is a graduate of the United States Merchant Marine Academy with a BS in Marine Engineering. He has been in the financial services industry since 1983 with extensive experience in financial planning, insurance & mortgages.
  • Sunmark Credit Union
  • 1187 Troy Schenectady Road, Latham, NY, 12110
  • Sunmark Credit Union is a full-service, community chartered credit union serving New York through financial services, education and empowerment. Since 1937, Sunmark Credit Union has been helping members in New York improve their financial position by offering a full range of products, from mortgage and retirement options to savings and checking.
  • Maple Tree Funding
  • 1202 Troy Schenectady Rd, Bldg 3, Latham, NY, 12110
  • Maple Tree Funding is a New York State Registered Mortgage Broker. Established in 2003, we have been providing excellent mortgage programs for both home purchases and home refinancing to home buyers throughout New York State for more than a decade.We are a locally owned & operated company based in Latham, New York with a branch office in Queensbury
  • FREEDOM ONE FUNDING, INC
  • 404 Troy Schenectady Rd, Latham, NY, 12110
  • Low rate mortgage refinancing, FHA loan rates, fixed mortgage refinance, low equity loans, refinance mortgages, second mortgage rates, home equity loan and new home financing provided by Freedom One Funding. Freedom One Funding, Inc. – Registered Mortgage Broker – NYS Dept. of Financial Service. Loans arranged through third party providers.
  • Northeast Funding Services, Inc.
  • 30 Century Hill Dr Suite 103, Latham, NY, 12110
  • Northeast Funding is a Licensed Mortgage Broker in both New York and Connecticut. As a broker we do the hard part for you. We shop out the interest rate between several local, regional, and national banks to find which one is the for you. We make the process as simple as we can for you.